BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019, I became aware of a derogatory account listed on my credit report by Diversified Consultant for the balance of {$200.00}. A phone number was listed and I made contact with the company about the account. I informed them that I received no notice of this debt and the right to dispute it before it appeared on my credit report. The representative replied and stated they attempted to reach me on my cellphone and it was against their company policy to leave voicemails. With the amount of scam calls that I receive over the years, I typically don't answer numbers that I'm unfamiliar with unless I'm expecting a call. No formal notification through mail was ever sent out by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: T.S. Holdings
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX XXXX Department to receive clarification on a rental balance from XXXX at XXXX XXXX XXXX. While speaking with the representative he mentioned there was a balance of XXXX for XXXX XXXX under XXXX XXXX, no account number was available for this account or other information and was instructed to XXXX the management company for contact information. Immediately I searched the web and found XXXX XXXX contact information. I made the phone call to XXXX XXXX on XX/XX/XXXX and was directed to contact via email XXXX and collection agency XXXX XXXX. Once I called XXXXIQ data that day with the balance reported to XXXX XXXX XXXX XXXX XXXX my name apartment location and year they werent able to locate me and said they will call me back. I then sent an email requesting information on balance and account number. I received a reply back from XXXX stating he had no account number but a balance of XXXX, which was different than XXXX  data. On XX/XX/XXXX I contacted XXXX /IQ data to inquiry on my previous call and gave the balance and my social security number, the year and name of the Apartments. The representative stated he had found the account with that balance, stated if I paid in full I can receive a deletion letter, I asked if there were any settlements available on the debt, he mentioned no and could assist with a hardship application that could help with services to assist me in the balance but I wouldnt receive a deletion letter. I was told the account didnt go to a collections company. He then told me in order to get the deletion letter I will have to pay XXXX I asked him how did the cost go up he said it was taxes and interest. I said I will call back and he attempted to keep me on the phone implyingI wouldnt want to end the call like this. It will be perceived as I dont want to pay the debt. I have nothing in writing from this company, the numbers arent accurate, thats why my attempts have been made to contact them as I am aware of money owed when I moved out in XXXX. There are to many discrepancies in the balance and unfairness and I am asking for this account to be deleted from my rental profile. The call was getting uncomfortable so and I hung up. He wanted to conduct a hardship application over the phone, then implied it would change anything. Just give me resources, I have never encountered or heard anything like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-29
Company: ProCollect, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I can not recall the exact date, but approximately 2 weeks ago I and my wife started receiving calls every day ( including weekends ) about a debt my wife owes. The company claiming to be ProCollect will call me first, before calling my wife ( who allegedly owes ). They will give us a number to call back, and one day my wife decided to call them and try to figure out what this debt is. Once the company had been contacted they were extremely rude, unwilling to cooperate and said that we can not set up a payment plan for the debt. They also said they will only accept using our banking information or overnight a check/money order. Then once we said we MIGHT use the overnight method they went back on their word and said [ ... ] thats not how our system works. And after that my wife continued for a short period and then we said we will contact them at a later point. After that point they continue to repeatedly call us.

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 2023-07-03
Company: ADP Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/XXXX all the way till XXXX I had discovered my card end up having unauthorized transaction and the company sent me a email saying my card was locked and that there were fraudulent activity my card was stolen. I got a hold of them as soon as I found out my card was gone. They still havent sent me anything showing they are working on my disputes its been almost a month and half that someone stole all of my money out of my account and it seems like the company doesnt care and or resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am not sure how the negative items ended up on my credit report. I noticed all the bad accounts in XXXX when I decided to check my credit reports. I believe these items occurred due to identity theft. There are many addresses on my credit report that do not belong to me. I filed an ID theft affidavit and have reported the errors to the credit bureaus. Most of the activity occurred in the past few months. However, there was also some activity on my credit 5 years ago. I did not notice these errors til now because I did not monitor my credit regularly. I would like these accounts removed from all 3 credit bureaus so I can start over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Starting XX/XX/2018, I have submitted numerous written requests to both the creditor and Equifax to have this account validated. I have had several invalid addresses, phone numbers, inquiries and accounts show up across various credit reports. Yet Equifax keeps sending updated " verified '' credit reports with instructions to contact the creditor directly for any further concerns ( I've received no contact from the creditor themselves ) and when calling the XXXX/XXXX using the number provided by Equifax 's own " investigation '' ( XXXX ) it's an automated messaging system that directs you BACK to Equifax for any disputes. It's an endless loop between the creditor and the credit bureaus and the consumer is caught in the middle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: AL
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 ( Account, XXXX  Account # XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2020-11-06
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been a SunTrust mortgage client for almost 7 years and was looking to refinance my loan to get a lower rate. I thought my years of on time payments and 800+ credit score would make this process easy, boy was I wrong. They changed documentation requirements several times due to Covid ...? When I finally got feed up and started looking around it turns out that I was able to get much better terms, APR 2.776 vs. 3.125 on 30 year refinance. Once I notified SunTrust that I was using another lender they issued a " statement of credit denial '' due to inability to verify income. I am retired and can make my income whatever I need to. They would not return calls or e-mails. I will payoff this SunTrust this week and will never do business with this organization again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Experian Information Solutions Inc.
State: IL
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 inquiries on consumer 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 2023-07-03
Company: Revco Management, LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/XXXX I received a letter from a collection agency, Revco Solutions , Inc. stating they were seeking {$85.00} for a bank account that has been closed in XXXX. The letter does not state what this fee is for. The account was closed in good standing. Therefore I am disputing this charge they are seeking. I have contacted the Financial Institution in question and I am awaiting a response. In the interim I have also attempted to contact the collection to no avail. I called and the prompts stated that I should leave my information on a voicemailbox.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-04-18
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo has been mailing me duplicate form letters stating they are working on an issue, I've received two thus far. These letters have become a nuisance and are un wanted.. The issue pertains to prior form letters they sent asking if I am satisfied with a resolution which includes a partial refund of fees charged to an unauthorized account. As explained in prior complaint, their resolution is not satisfactory as it only includes a partial refund in the amount of XXXX. The issue also pertains to this unsatisfactory resolution. I request Wells Fargo cease from sending these duplicate letters

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 2018-06-02
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with SYNOUVUS/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SYNOUVUS/XXXX with no successful resolution. XXXX, XXXX  and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: NAVY FEDERAL CREDIT UNION
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:
On XX/XX/2023, per the FCRA, I notified Navy Federal Credit Union that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EdFinancial Services
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On Friday, XX/XX/XXXX, I contacted Edfinancial after receiving news about student loan refunds for any payments made after XX/XX/XXXX, during the payment pause. I went ahead and asked them to refund the amount paid, but was taken aback at the processing time of at least 6 months, possibly 7-8 months. Several of my friends that have different student loan providers are seeing processing times of 3-4 WEEKS, give or take a few weeks, but nowhere near as long as a minimum of 6 MONTHS. I was a Pell Grant recipient and am therefore eligible for up to $ XXXX in forgiveness. During the payment pause, I made $ XXXX in payments. 

It seems as though EdFinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, and XXXX  are only quoting 3-4 weeks for turnaround, and those that have these providers are already seeing their loans reinstated on their account. What worries me is that the application to apply for student loan forgiveness opens in XXXX and EdFinancial won't be processing any of these requests in time to receive forgiveness. I'm expecting my refund to be received AND processed by XX/XX/XXXX at the earliest, possibly further out until XXXX or XX/XX/XXXX - well beyond the loan forgiveness application deadline. EdFinancial stated that our loan balances won't be reinstated UNTIL the refund is processed, which in my case, won't be until XXXX, XXXX, or even XX/XX/XXXX. Interest rates and payments will resume again in XX/XX/XXXX, and if my balance isn't reinstated by then, I'll be stuck paying interest on loans previously paid off for several months. 

EdFinancial told me over the phone that they can not send out confirmation emails or anything and the only way I can verify if my request has been processed is by calling back in a month or so. I've heard from some friends and family that they called to request a refund, and when they called back to check on the status, the refunds haven't even been added to the system! I realize with the large call volume that requests will take a while, but it's very concerning to me that the minimum wait time is 6 months, when some providers are reinstating balances and issuing refunds within 6 WEEKS. I've also learned that EdFinancial is still processing over 2,000 requests made since XX/XX/XXXX, and I fear that I will not be getting my loan reinstated/refund back in time for forgiveness due to the seemingly very slow processing times with EdFinancial. Getting that money back would be life changing for me and millions of other Americans. So seeing how other loan providers are able to process payments within just several days/weeks makes me very concerned that EdFinancial does not have our best interests at heart.

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 2019-04-18
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/XXXX I paid my delinquent account off with XXXX XXXX Card Services. XX/XX/XXXX theyve reported again and this time it says Charged Off with a XXXX balance. Ive called both XXXX and XXXX Card services and no one seems to be able to help. Ive tried to dispute the account and it says I cant dispute it due to it already been resolved through a dispute in XX/XX/XXXX Ive been paying all my debt and cleaning up my reports and this is a huge thorn in the side.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Experian Information Solutions Inc.
State: TN
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: Problem with product or service terms changing

Complaint:
I had contacted this company XXXX XXXX to try to take care of my student loans which I decided within their timeframe that I did not want to do buisness with them so they sent me email of my cancellation but they still withdrew funds from my checking account which took months to get back & I have recently noticed they reported this on my credit which is uncalled for especially when I canceled before their timeframe was up.I decided to go thru a much better company

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have tried repeatedly to get my report updated and all XXXX bureaus keep reaging my accounts and saying that they were verified when I know they were not verified. The dates and amounts are all incorrect. Last active and Last reported are all showing different dates, the amounts are all wrong and the comments like account closed and when it was closed are all wrong. These are just some of the inaccuracy I have found and Have repeatedly sent letters regarding it but I am very aware they are not actual people looking at these letters. I do understand that they letters go through XXXX system which will automatically kick out a verified letter. This is unfair.These Bureaus need to be stopped.They can not continue violating the rules and think that it is ok to do so. They are reporting inaccurate information and its causing havoc on my end. They have violated many FCRA Rules especially the 15US Code 1681s-2 and ( 623 ) ( A ) ( 7 ) amongst many others. They are treating many as well as myself unfairly.

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Notice of cease and Desist Demands on actions to take

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 2018-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/XXXX, I ordered a XXXX 49 inch Model number XXXX from the XXXX at XXXX XXXX   XXXX, XXXX, NY XXXX for {$760.00}. I arranged for myself to pick it up on XX/XX/XXXX at the XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. On XX/XX/XXXX at XXXX XXXX, I received an e-mail from XXXX XXXX that my order was picked up. I did not pick up this item nor did I give anyone consent to pick it up for me. I called as soon as I saw the e-mail but they were already closed I went to the XXXX XXXX location at XXXX XXXX XXXX, XXXX, NY XXXX the following day to straighten this matter out. I explained to the manager XXXX that I never picked up my order or authorized anyone to pick it up for me. She stated that she was going to look at the video from the night before and that she would follow up with me the following day. She also asked for my drivers license that day and made a copy. 
The following day I never received a phone call and on Sunday XX/XX/XXXX, I returned to this location. The manager XXXX stated that she reviewed the video and that it looked like it was me that picked up the order and the person provided my id. I asked to see the video but she refused to show me. I asked to speak to a District Manager but she stated he was on vacation. I went straight to the closest police station ( XXXX precinct ) and the person at the front desk told me that it is a civil matter between myself and XXXX XXXX and unfortunately they would not be able to help me. They told me the best thing for me to do is get in contact with my credit card company which I did when I got home that day. 
It is obvious to me that this was an inside theft by XXXX XXXX   employees. No one knew that I had ordered a TV, and I have never lost a drivers license. I have never had any issue like this before. I have been a loyal Capital One customer for 12 years and expect Capital One to fight for me on my behalf. I would very much like to see the video of this transaction to prove that it was not me who picked it up. I should not be liable for something that I never received.

Company response to consumer: Closed with monetary relief