BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Regardless of multiple written requests, the unverified account listed below is still reporting negative on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. DEPTEDXXXX 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 2022-12-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I tranfer money using XXXX  a total of XXXX and the receipient did not received it. So I try again and was not received. Then I try with XXXX dollar and same thing kept happening. I call the bank XXXX and created a ticket and I was given a reference # and was told they would look into it. Its been XXXX   days and still I havent gotten my refund. 

Date of tranfer was XX/XX/XXXX for a total of {$400.00}

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 2022-01-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
The response from Wells Fargo failed to address, nor in anyway acknowledge, my questions. This company 's response, it appears, is a general form letter with bits of my information plugged in. I in no feel my concerns were " looked into '' at all.

The response referenced the dates of three emails they state notified me of the credits they issued to my account. To my point, they did not reference my responses or acknowledgments to the emails. There are none. In XXXX, and now XXXX, who uses personal email? It is scarcely checked and generally only when one is expecting a specific email which the receiver must scroll through copious amounts of spam looking only for the sender to find it. 
My concerns were first, how a bank can credit my account like this and they cant argue this would not be expected by any general person with a bank account. I have had checking and savings accounts since XXXX, the last 6 years with this company and all of that 36 years, I have never received bank credit like this. This should have been a customer option I agreed to or, at the very least, I should have been notified in a form in which an acknowledgment of the credit and the 60 day reversal was required. 
My second issue was a request, that under the circumstances, this reversal be made due over a period time, just as they were credited, rather than reverse all three at the same time. 
The financial hardship this has caused is irreparable.

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 2019-09-14
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:
This is a follow up complaint to a complaint I previously filed here. Experian claims that they fixed the error but I was notified by Experian XX/XX/XXXX that my report is updated and it showed the error again - further Experian is the only credit reporting agency that is showing my sisters creditors on my report and they are preventing me because of this error, to get a refund on my 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 non-monetary relief
Consumer complaint received 2023-08-26
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
GM Financial is reporting inaccurate information on my credit report. Its reporting a balance on a closed account that has been charged off. I am asking for accounting records and paperwork of vehicle been sold in auction and for how much, not just their word. I want to know how did the company verified I owed XXXX. Because the original balance was XXXX and XXXX was written off and vehicle was sold in auction so the number are not adding up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to formally address the ongoing communication I have been receiving from XXXX XXXX XXXX regarding a debt that has been deemed invalid. I would like to bring to your attention the violations of the Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692 that have occurred as a result of your agency 's continued attempts to contact me. 

On XX/XX/XXXX, it was legally determined that the debt in question was not valid and was a result of identity theft. As a result, I did not provide my consent for XXXX XXXX XXXX to contact me in any manner whatsoever, including but not limited to phone calls, emails, or written notices. I have taken the liberty of attaching relevant documentation, including screenshots and the written notice, to support my claim. 

Despite the aforementioned determination and subsequent notice, I have been persistently contacted by your agency between XX/XX/XXXX until today. This continuous communication directly violates my rights under the FDCPA and 15 USC 1692, which clearly state that communication should cease once the validity of a debt has been challenged and debunked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
Creditor has reported my loan account charged off for {$2000.00} and {$1400.00} past due as of XXXX XXXX with a status date of XX/XX/XXXX. 

All payments were made and the balance shown represents late charges PLUS INTEREST on those late charges. The attached loan disclosure reveals the late charge is {$29.00} BUT the disclosure does not give an interest amount on late charges. Thus, the creditor is in violation of the Truth in Lending Act. Potential lenders viewing my credit report will assume that I did not make the monthly payments and the charge off is due to this failure rather than a dispute as to interest charged. 

Additionally, the creditor has ignored my numerous requests to differentiate between the late charges which I am was willing to pay and the interest amount included with the late charge balance. According to the Fair Credit Billing Act, I was not required to pay the disputed amount and can not be penalized for withholding payment for amounts in dispute. Creditor 's report to the credit bureau that my loan account was charged off violates the Fair Credit Billing law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EdFinancial Services
State: PA
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:
XXXX is violation my consumer rights under these laws : Pursuant to15 U.S code 1681 ( a ) ( 1 ), ( 3 ), ( 4 ) ,15 U.S.code1681 ( 2 ) ,15 U.S. code ( b ), ( d ), ( 2i ), ( ae ), ( 2a ) By Experian reporting these accounts on my report they are directly in violation of my rights. ( Privacy Act of 1974 ) We put on notice that claimed all accounts to be verified and reporting legally. 

Account name : EDFINANCIAL SERVICES Account number : ( as reported ) XXXX Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: ENCORE CAPITAL GROUP 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:
Hi, I have submitted disputes with the 3 credit bureaus 3 times all have been dismissed and left info on my report. I have left vm 's with the debt collector explaining that they have the incorrect data attached to my profile and they have not been getting back to me. 

This is a debt from 2015 and I am noticing Midland Credit has added XXXX documents to the account for another one of their " customers '' and won't replace it or get back to me, they send the same letter and the credit reporting companies are not helpful so not sure what they are sending them. 

But when I login to my account using the bills they send me I get a lady from WA 's  bills, I have attached them. 

I have videos of the login process but you can go to midland credit 's website and pull it up yourself. 
https : //www.midlandcredit.com/ XXXX I recorded a video but you can login too using the account number below and the last 4 of my social : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: Professional Recovery Management
State: FL
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 sent several Debt validation letter and All i ever get back from the company is that they have confirmed my name and address and amount. This is not proper verification as to confirm that I have a debt with them. Or does it confirm that they Legally own the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent.

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 2022-01-28
Company: AES/PHEAA
State: CA
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:
I am under the PSLF loan program. I have been since the programs inception in XXXX. I went back to school on XXXX, so under the old program I was told I would have to start over with payments which I did in XXXX. 

Every year, I am expected to fill out a certification form verifying that I work for a public non-profit agency. I do this every year as I have worked for different public school districts over the years. 

Recently, XXXX XXXX passed a law that previous payments before you went back to school count. But even before this, Fed loan is missing many years of payments even though I faxed in the forms multiple times. There are at least XXXX payments missing even before my XXXX payments would even be considered. 

I have tried calling and having been on hold for over XXXX hours I am told my payments are in process. Then I get an email showing what payments have counted, only to find several school districts missing that I have faxed them forms for. 

As an educator, I don't have time to call and be on hold. I have now faxrd some of these forms XXXX or XXXX times to no response. 

I can send the forms to you that are missing if you request it. It was XXXX districts over a span of 9 years. 

I appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Open loan XX/XX/XXXX amount {$20000.00} 36 months / {$640.00} / month period XX/XX/XXXX to XX/XX/XXXX paid {$640.00} transaction amount on the term of contract no delinquency no late fee. 
period XX/XX/XXXX paid and full the loan {$12000.00} ( overpaid {$64000.00} ) account current payment satisfactory, no delinquency no late fee no past due. 
paid the loan on 17 months current on 36 month therm. loan current every month. 
period XX/XX/XXXX to XX/XX/XXXX current. 
the CoXXXX XXXX XXXX XXXX report my delinquency late payment charge off on XXXX, XXXX and XX/XX/XXXX to 3 credit agency credit report. XXXX, Equifax and XXXX. The Co. promise of correction nothing came. 
I lost 90 point for false report from XXXX XXXX XXXX

I contact the Co. on the phone promise of correction to fix the problem. Nothing came. 
I contacted from dispute the 3 credit agencies with additional proven documents. my problem if not fixed date XX/XX/XXXX. 
the CoXXXX XXXX XXXX XXXX return to me the overpayment {$640.00} on XX/XX/XXXX. is never correct the problem of late payment on the 3 Agency. 
I am current loan pay satisfactory and no charge off delinquency late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity theft. I am writing to request that you add the following Extended fraud alert on my credit report : ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT ( 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 2023-07-19
Company: Experian Information Solutions 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:
I have contacted XXXX several times have sent certified letters about all the collections an hard inquiry on my account I have ask the to delete these accounts several times because of there improper investigations they did not investigation properly so I need everything thing deleted immediately .Thanks 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 explanation
Consumer complaint received 2022-05-04
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The following accounts are fraudulent : XXXX  XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$0.00}

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 2023-11-21
Company: Exeter Finance Corp.
State: GA
Product: Credit reporting 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:
There are inquiries on my credit report from companies that I've never heard of. I tried to reach out to find out who they were and who authorized them. I've had difficulty. I tried disputing as well and it's still on my credit report. These companies were not authorized to access my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
I co signed for a student loan in the amount of {$17000.00} in XX/XX/XXXX. Things went bad and the loan defaulted. It went into collections and was reported as a Charge Off in XXXX. I monitor my credit quite often and the status has remained the same for years now. 
A few days ago I checked my credit and all of a sudden it is listed as open, with a balance due of {$33000.00} but still listed as a charge off as bad debt. The last payment on this account was XX/XX/XXXX. When I spoke to Navient this morning the only explanation that I received was, this account was flagged due to the current law suit against them. I explained to the representative that there has been no activity on this account since XX/XX/XXXX, my credit score dropped XXXX points on agency and XXXX points on another and I felt that the statue of limitations has expired for collection of this debt. I felt like it fell on deaf ears, she could not offer any explanation other than it had been tagged due to the lawsuit. I feel like there have been some violations of the Fair Debt Collection Act. I have worked very hard to rebuild my credit over the years and this has literally devastated my credit overnight.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My ex wife and I got a new vehicle loan from navy federal credit union for XXXX. We purchased a XXXX XXXX XXXX for XXXX and XXXX after tax, title and licensing. My car note was XXXX dollars per month for 60 months. For the first 32 months I never missed a payment totaling XXXX dollars. I also traded in a vehicle valued at XXXX dollars. After the first 32 months I refinanced for a lower payment which was reduced to XXXX per month. I assumed payments and payed over XXXX dollars over the next year and a half. My payments totaled over XXXX dollars with a few late payments and nfcu still said I owed XXXX dollars for this vehicle. After getting divorced I called NFCU to relinquish the vehicle because I could not afford it anymore and they agreed to pick it up. Within the next 72 hours they said the vehicle was totaled and they would not pick it up and that I was liable for the amount. But, I had already paid over the amount for that vehicle and It was not totaled it was still fully functional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation