BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-11
Company: WELLS FARGO & 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: Investigation took more than 30 days

Complaint:
I do all my banking with wells fargo. I also have a car loan with Wells Fargo Auto. I was diagnosed with XXXX and XXXX Double XXXX and had to recover in the hospital for over nine weeks. I also informed wells fargo and wells fargo credit that I would have to make 3 small payments for only a period of four weeks. They approved this covid relief and granted the smaller payments. I recently discovered a decrease from XXXX to a XXXX in my credit report that was because of Wells Fargo Auto reporting a late payment. I am requesting that they promptly take this off my report and have talked to Wells Fargo banking and they also agree to reach out. They have been kind enough to cover NSF and any related charges to help me through this crazy time. Please take this off my credit report so I can refinance my home at a good rate and keep my son and I in our home.

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 2021-07-06
Company: AmeriCollect
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no memory of incurring this debt. Likewise, I never received any correspondence from the original creditor or debt collection agency stating that I owed the debt. Also, the debt was in two parts. I do not recall making one single debt with this company net alone two separate debts. I'm not saying the debt is not valid, but it does not appear valid because I never knew I had this debt until it showed up on my credit report without any prior notice. I have a XXXX credit score and I take pride in paying my debts and bills on time and in full. So if I had knowledge of this debt I would have never allowed it to go unpaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several letters to TransUnion asking them to verify the accuracy of several items on my report since they are reporting differently across all three bureaus, they do not have my consent to report them AND they are inaccurate! The first time I asked them to verify the accounts, I received a copy of my report saying they were verified, then a letter stating it didn't look like I was the one disputing the inaccuracies. See attached letter. I've received this twice now. 

The second time, I asked for the proof that shows they verified the information, sent me a copy of my report and then they sent me a letter stating it looks like it wasn't me AGAIN asking for the verification, but some other company. I sent them proof of my address and a copy of my driver 's license EVERY TIME I HAVE SENT A LETTER. I resent the disputes and they sent me the same letter again!!! 

I want these accounts removed from my TransUnion report immediately! They are breaking the law! 

Per US code 1681 e ( b ) Accuracy of Report - Whenever a consumer reporting agency prepares a consumer credit report it shall follow all reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Therefore it should be 100 % accurate across all three bureaus. How can these accounts possibly been verified? 

AND US code 1681b ( a2 ) states that consumer reporting agencies are not allowed to put anything on my credit report without my written consent!! They have not proven this either!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-25
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My Complaint is regarding a previous Complaint I filed with you, the Following Case Number is XXXX. 

The Response Navy Federal Gave you was inaccurate and false. 
I've never had any issues or problems with anybody or someone trying to access my account online illegally. My wife and I ALWAYS use her phone to access my online access on our JOINT TOGETHER .... Navy Federal Credit Union has provided and given you FALSE RESPONSE on XX/XX/XXXX. 

Because we had a joint Chapter XXXX Bankruptcy that was filed in XXXX my wife had accounts with Navy Federal Credit Union 1 or 2 accounts were included in that Chapter XXXX Bankruptcy. Navy Federal credit Union doesn't approve of me giving my wife access to OUR Joint Account ONLINE under my login. She's my wife not a XXXX stranger.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EdFinancial Services
State: WI
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:
EdFinancial is telling borrowers that refund requests will take up to 300 business days, not including weekends or holidays. One representative stated that 2,000 requests have been sitting since XXXX. There are screenshots with proof of this on XXXX. Other servicers are completing requests in anywhere from 1-6 weeks. When asked, they have no valid excuse to provide for this situation. This is completely unacceptable and shady on their part. Many of us feel they are trying to mislead or dupe us, just as they had regarding XXXX. 

I called and received this information from customer service on XX/XX/2022, as have many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''

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 2022-08-30
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have an account in collection and contacted the LVNV funding to advise that the account was fraudulent opened and that XXXX XXXX the original owner of the account closed the account as fraud. 

they purchased the account and have asked me to for documentation for which I do not have. so I asked that they contact XXXX XXXX and have the account disputed. they transferred me to XXXX XXXX. 

who I have consistently called every 2 to 3 days since XX/XX/XXXX, advising them I needed to have this account removed and if after my dispute I would work to settle the account. 
every time I called they stated still in dispute. 

on XX/XX/XXXX when I called 3 days after my XX/XX/XXXX call they advised a judgement was issued on XX/XX/17 and that I could not settle and the dispute was still in process. 

they were not transparent with what was happening with my account and did not offer me to settle but sent for judgement during the dispute and I believe this account should be removed. 

I have tried for quite some time over a year to get this account settled and neither XXXX or LVNV funding would work with me? 

can someone from your office contact me with regards to what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: R & B Corporation of Virginia
State: VA
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:
Credit control Corp Is currently reporting XXXX accounts from what could be a possible XXXX XXXX reporting on my credit which I have no knowledge to and they will not provide enough information to determine whether I am the correct account holder

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
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 sent letters to all   XXXX   credit bureaus in  XXXX  asking them to remove credit inquiries that were not authorized by me. I have fraud protection on my credit files so that authorization must be given in order to pull my credit. Can you please help me. 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 2022-08-30
Company: BROKER SOLUTIONS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
" IDENTITY THEFT '' We received a voicemail from a " XXXX XXXX '' with New American Funding on XX/XX/2022 at XXXX XXXX. which concerned us because he identified as our licensed loan officer saying '' Hey, XXXX how are you this is XXXX I am your license loan officer here at New American Funding I am trying to reach XXXX in regards to an application that we got in so reach out to me and give me a call ''. He said twice that " have an application for you '' on the voicemail received. These two things are misrepresentations that not only confused us, but nearly had us giving our private information to a person that we THOUGHT was already our loan company. This individual identified as our loan officer by stating " YOUR LOAN LICENSE OFFICER '' on the call and repeatedly mentioned that he had our application. None of the factors laid out by law were adhered to, and hence was misrepresented at the highest level of sales scams.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Pinnacle Asset Management, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I received a phone call from a local telephone number that had left a voicemail I called the number back with a document reference number. The lady who picked up the phone ran the information and claimed that I owed XXXX Soma dollars on a vehicle loan from XXXX The vehicle in question belongs to someone else and not me I advised them that I had never received anything whatsoever in the mail regarding this alleged situation.. I wanted to share a mailing address so that the debt could be verified and also offered my email address as they already have my phone number. I also wanted to inform them not to call any relatives which had also on this very day received a phone call threatening of them ... The lady advised me that I need to get a lawyer to handle this situation or be prepared to explain it to a judge. To which I answered please send me something in writing and here is my address and I also want to inform you that I do not want to receive any more phone calls to myself or a family members I was abruptly hung album ... I then called the telephone number back explain the situation to another representative explained myself exactly as I did to the 1st representative upon wanting to give my information and telephone numbers of family members contacted to be put on a do not contact list the gentleman responded to me that we will continue making telephone calls to you. I then advised him of what my address for mailing would be he did not want the information he then said he would send an email and told me to send the agreement back And start making payments. I advised him I need ed something sent to me via physical mail so I can know what this is specifically in reference to. Then there was a 22nd period Period of silence I again offered information to receive something in the mail as well as an email address he said he wanted none of that period I then replied to him by saying if you just said to sign and send you payments and that is all that he need ed from me I again offered him an email address and physical mailing address and then was hung up on ....

Company response to consumer: Untimely response
Consumer complaint received 2022-08-30
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have a credit card with Venmo. Venmo sent me two emails this morning saying that my primary phone number had been changed. I did not initiate that change so I called Venmo to understand what was happening. While I was on hold, my ex girlfriend contacted me to tell me that Venmo had contacted her to collect my debt. When I spoke to the representative at venmo, they told me that they believed she was my wife and could not explain to me how they had gotten her phone number. They also could not explain to me why I received emails saying that my number has been changed when I had not initiated any change. I believe these emails are fraudulent in nature and designed to get people to call In where they repeatedly pressure you into making a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: AL
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 submitted numerous disputes with Equifax regarding inaccurate information being from XXXX XXXX XXXX. The inaccuracies regards two closed and paid accounts reporting delinquent. These accounts were paid off in XXXX. XXXX XXXX stated they did not report the accounts delinquent. It's Equifax reporting the accounts delinquent and not updating accurate information. These accounts are reporting as late payments. WhiI have submitted with Exquifax to correct this since XX/XX/XXXX. The issue still is not resolved. Will you please help me resolve this issue. Equifax needs to correct this issue or delete the accounts. XXXX XXXX also stated the account was reported delinquent on XX/XX/XXXX. This account has been paid off since XXXX, so why did XXXX XXXX reported it delinquent in XX/XX/XXXX? I have been dealing with this issue over a year. Legal actions against both companies is the next step. It's against the law to report inaccurate information on consumers credit report. I have made numerous complaints with the Alabama Attorney General and Consumer Affairs both without resolution. This has to be resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
It is XXXX XXXX thing after another with the bank. Customer service has XXXX XXXX  since they bought out Suntrust. I now have a negative {$50.00} balance because of a XXXX with the bank and a merchant. On XX/XX/XXXX I paid for a grocery delivery from XXXX but never got the food because the XXXX making the delivery went to the wrong place. I got a refund from XXXX for {$52.00} on XX/XX/XXXX. Then somehow magically I get charged {$52.00} AGAIN by XXXX on XX/XX/XXXX and it overdraws the account. I call XXXX and they tell me they issued the refund and don't know what is going on. I call Truist and spend half my XXXX life on the phone and they do nothing about it. Makes me want to pull my hair and teeth out while chewing on my sinews I am SO XXXX SICK of having to fight over things over and over and over with them. Who the XXXX is charging me the {$52.00}!! No one seems to know!

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 2022-08-30
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have already explained to them the situation and provided proof when I disputed the accounts with them they said it would take XXXX days it was less than XXXX days they say they investigated the claims but they didnt They still have my car on there as repossessed and its not it was paid off and the account was closed with my lender they wont take it off I then see something pop up from something called XXXX still dont know what that is i gather information contact them they have no idea or record of who I am I report this to the credit bureaus to have it removed with proof nothing they made it to where I can no longer dispute the issues I call because I see my credit is being ran by all of these banks Im being told its a personal issue I just want to be treated like a human being and not talked to crazy or pushed aside my credit means a lot to me this has drastically dropped my score from XXXX down to XXXX please help me and hold them accountable for the things they are doing I provided them everything they needed for my identity theft and these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home in XX/XX/2022. I made XXXX payment with the XXXX XXXX XXXX before my loan was sold. I made XXXX payments, which included extra money to be applied to principal and escrow to the new mortgage service provider XXXX XXXX XXXX. I have the bills reflecting the due dates and proof from my bank statements. My mortgage was sold again late XXXX to Loan Care. I didn't even receive my first bill until XX/XX/XXXX from Loan Care. An error was made and they said I was due for XXXX but I had previously paid the old provider. I called immediately and was told to wait for their accounts to update. I waited, it never updated. I called back and was told I was due even though I have proof. I called my old provider, XXXX XXXX XXXX phone XXXX and they said I wasn't due until XXXX. They sent me proof via email and are mailing me proof of this as well. I made an additional XXXX payment with Loan Care under duress so it didn't injure my credit because they said I was going to be charged fees if not paid by the XXXX and it takes time to process! However that should reflect my XXXX payment as paid and it does not! Again I have multiple documents if needed. Thank you for the help.

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 2019-04-17
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection on my credit reports from a collection agency called Convergent Outsourcing. They list the original creditor as XXXX. I have NEVER had dealing or any type of business with XXXX. This collection does not belong to me.

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 2019-11-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a lot of info on my credit report that is not correct and I had identity theft with a checking account and the address below do not belong to me. Please remove incorrect info Never Lived at the below address XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My address is XXXX XXXX XXXX, XXXX Ohio XXXX and i have lived there for over 10 years Please remove all other addresses address Below inquires I never applied for anything during this time, please remove these from my credit report. This is very scary, Im young and don't even want credit at this time. 

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX  AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation