BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
Company: EQUIFAX, 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:
Investigation took more than 30 days. Would like for the reappearing already deleted items to be completely removed from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Bank branch # XXXX XXXX located in XXXX, FL. took our check made out to Wells Fargo Home Mortage, and showing our correct loan number for our mortgage payment due XX/XX/19 on XX/XX/19 at their Drive-up window teller. They then sent out a receipt for transaction # XXXX XXXX, XXXX XXXX., XX/XX/19 Credited XX/XX/19 showing the correct amount paid. 
My husband looked at the very faintly printed receipt and checked to see if the amount paid was correct. It was the correct amt. so he pulled away out of the bank drive-up. 
On XX/XX/19 and again on XX/XX/19 we received a total of three Robo-calls listed on our caller I.D . as being from " Wells Fargo Ban '' and showing three different toll-free numbers. We thought these calls were from scammers spoofing a bank. We called Wells Fargo Bank and we were informed that we owed two mortgage payments and that the calls were from them. 
The receipt we had said our mortgage payment was credited as a " credit card '' pmt. to an acct. ending in XXXX and not to our loan number. We have NO credit card accts. with Wells Fargo so we believe that our mortgage pmt. was credited to a bogus acct. even though my bank statement shows our check ( drawn on a different bank ) was cashed by them on XX/XX/19. We are concerned that they have opened a bogus credit card account ( s ) to which they credited our payment. 
We have spoken to them about this but we are still concerned that we may have bogus accounts opened by them and that we were targeted for a mortgage foreclosure action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The 3 credit bureaus have kept this account open for the last couple years without verifying AFTER I sent them MULTIPLE letter asking for them to verify and THEY CAN NOT. 

This is with XXXX XXXX XXXX for the amount of {$1100.00} One XX/XX/2020 I sent 3 letter to all 3 bureaus. 
One to tran union One toXX/XX/XXXX And one to XX/XX/XXXX And they are not verifying anything. Section 609 requires them to verify and since they are not verifying they must REMOVE from my account IMMEDIATELY. 

I AM TIRED OF THIS.

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 2019-04-20
Company: AES/PHEAA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have all federal loans and since the day I have graduated from XXXX  school in XX/XX/2010 I have been making payments in an income-based repayment plan or a revised repay as you earn plan in order to qualify for PSLF. Every payment that I have made should count towards public service loan forgiveness. I have submitted a count request to determine how many payments I have remaining before I can apply for public service loan forgiveness, however the count has been incorrect each time they have sent me this information. The count is off by many payments. I only switched to fed loan a year ago as servicer. I feel that they are not counting payments made through the previous servicers. I have asked for a manual recount and this has yet to be resolved and my count is still incorrect. This is frustrating and causes great stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: FIRST ADVANTAGE CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company used 25 year old negative criminal background info and sent to employer that resulted in not being hired. Info was clearly outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Experian Information Solutions Inc.
State: CA
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:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, 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 2019-04-20
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX XXXX XXXX XXXX for a few years. When we decided to move to another state I called XXXX XXXX XXXX and cancelled our internet on XX/XX/2018. I was informed that we need to return our equipment within 21 days. I received the box and shipping label and the next week took the equipment to a XXXX store and sent it out. This was the first week of XX/XX/2018. In XX/XX/2018 I recieved a letter I was being sent to collections for a total of {$160.00} for XXXX XXXX XXXX citing 'equipment wasn't returned '. I called and they opened up a case for me. In XX/XX/XXXX I recieved my collections letter. I called XXXX XXXX XXXX back and gave them my case number and she found that 'The equipment was in the warehouse the entire time. It was recieved in XX/XX/2018 ' So this was just a mistake on their part. A mistake that is ruining my credit! I XXXX a simple XXXX wrongfully sent me collections ' and found pages after pages of people going through the exact same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I submitted an online dispute through Transunion regarding late payments being reported for two of my XXXX XXXX Credit Card accounts. I received and email today from Transunion stating that my dispute was complete and both these accounts were deleted from my credit report. I spoke to Transunion regarding the error and they acknowledged the dispute was for late payments and said that the reason why it was deleted was because the Creditor failed to respond. which is not true because I have a letter from XXXX XXXX stating that they will be reporting to all the CRA 's to  remove the history of late 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 2022-10-05
Company: Experian Information Solutions Inc.
State: MS
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 spoke with a gentleman who is a lender for XXXXXXXX XXXX 
I explained my auto him and after speaking he advised me to wait a few more months before applying for a mortgage. 
I never authorized a hard pull on my credit by XXXXXXXX XXXX at that time and they pulled it anyways after advising me not to apply and sent me a denial letter for a mortgage I never applied for. 
They told me there was nothing they could do to reverse a hard pull and did not care at all that this affected my credit score. 
Ive also had unauthorized hard pulls from an auto finance 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 2020-05-05
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been trying for 2 Months to catch up my PayPal credit account - THEY WILL NOT LET ME LOG IN AND SIMPLY PAY ONLINE I have called everyday for the last 3 weeks and I keep getting stuck in a roundabout about I need to call this other # and it just dumps me after I enter my info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 noticed 2 collection accounts being reported on my credit file incorrectly. I requested an investigation be done by the 3 credit bureaus XXXX, Transunion, XXXX. I also contacted the alleged collection companies who were making a claim that these debts were accurate and were mine. I requested valid proof that these accounts belonged to me and that I had a legal obligation to pay them said alleged monies. One of companys since then has closed one of the accounts and stopped reporting to Transunion. The other alleged collection company has stopped reporting to the the 3 credit Bureas but still continue to harass me without providing any valid proof that these accounts are mine and I would like these false claims deleted from the 3 Credit Bureas and from my credit file permanently.

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 2018-06-08
Company: Real Time Group, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
The personal loan was originally with XXXX. XXXX became the financial company associated with this loan. Due to my husband 's job loss, we have been struggling to make full payments. Real Time Resolutions then took over our account. My husband spoke with XXXX XXXX about creating a payment plan. When he created this payment plan in XX/XX/2018 of {$50.00} every two weeks with XXXX XXXX at Real Time Resolutions, we were told that if we made consistent payments of an agreed amount our credit would not be negatively impacted ( no report of delinquency would be communicated to credit bureaus ). We received the letter attached below from Real Time Resolutions demanding payment in full of the loan ( {$4600.00} ) in order to avoid Real Time Resolutions reporting delinquency to the credit bureaus. My husband called Real Time Resolutions regarding this communication. They are saying we must pay the balance in full immediately in order to avoid any issues with the credit bureaus. This information is contrary to what we were told when we created the payment plan. We are making good faith payments, directly debited from our checking account, in order to keep ourselves above water with this as best we can since we are now only bringing in one income with a household of six which includes college payments going out as well as all other household and living expenses. Real Time Resolutions is not being consistent with their information to us as we work through this challenging financial experience. See account information for both XXXX and Real Time Resolutions below : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX   XXXX Real Time Resolutions XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Experian Information Solutions Inc.
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 noticed 2 collection accounts being reported on my credit file incorrectly. I requested an investigation be done by the 3 credit bureaus XXXX, XXXX, Experian. I also contacted the alleged collection companies who were making a claim that these debts were accurate and were mine. I requested valid proof that these accounts belonged to me and that I had a legal obligation to pay them said alleged monies. One of companys since then has closed one of the accounts and stopped reporting to XXXX. The other alleged collection company has stopped reporting to the the 3 credit Bureas but still continue to harass me without providing any valid proof that these accounts are mine and I would like these false claims deleted from the 3 Credit Bureas and from my credit file permanently.

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 2019-03-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My accounts are paid on time, yet my credit scores are declining. The credit reporting agencies are improperly reporting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
CREDIT INQUIRY ON MY experian credit report that SBA XXXX XXXX TX recieved an application for an SBA loan due to covid relief. Application # XXXX for {$200000.00}. Spoke with fraud department, they cancelled the application, told me to file a dispute with experian, put freeze on credit, and file this with identitytheft.gov.

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 2018-03-21
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I seen there was hard inquiries on account there is open accounts I have they were on there then the next month they took it off its a good account in good standings and still being paid on contacted by phone letters and email and called they did nothing they said there is nothing I nore the CFPB can do about it. all my letters returned all complaints automated response to the CFPB. they refuse to fix hard inquiries when the contact information for contacting the company 's go to a company that is not the reporting company the reporting agency refuse to fix the problem, They give companies I have aplyed for credit 3 different credit scores they got from Experian ranging from 508 to 641 so they have been giving fraud information to FICO as well. I cant have below a 600 with no bad credit and great pay history reported like 4 XXXX XXXX records reported over 2 months 3 poaid off now gone and XXXX XXXX was removed was there but now gone as good credit on all of them. 
Then 3 XXXX XXXX good reports have been removed that I have only had good reports with XXXX, over the lat 3 months and now is gone some one in  the Experian has been messing with my 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 2019-04-20
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient has very poorly in the past described what repayment options there are and seemed like deferment was the best option. I make about 2000 a month and XXXX/month is not affordable on top of other living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
HYUNDAI, THIS IS MY LAST AND FINAL REQUEST FOR YOUR COMPANY TO PROVIDE ME WITH THE CORRECT DOCUMENTATION I AM REQUESTING THIS IS THE SECOND TIME YOUR COMPANY HAVE SENT THE CONTRACT WHEN WE HAVE REQUESTED A COPY OF THE APPLICATION THAT WAS SUBMTTED FOR APPROVAL AND FINANCING THAT WAS FILLED OUT AT THE DEALERSHIP AND SUBMITTED TOY HYUNDAI THAT SHOWS XXXX XXXX MONTHLY INCOME EACH TIME YOUR COMPANY HAS SENT THE CONTRACT. WE NEED THE APPLICATION FOR SOME REASON HYUNDAI AND XXXX HYUNDAI HAVE BEEN DODGING NOT SENDING THAT APPLICATION FOR CREDIT, IF WE DONT GET A COPY OF THE APPLICATION I WILL ASK THE STATE ATTORNEY GENERAL TO STEP IN AND ASSSIT. FOR SOME REASON NEITHER PARTY WANT THAT APPLICATION REVEALED. THIS IS OUR LAST REQUEST TO ASK FOR A COPY OF THE APPLICATION, APPLICATION, APPLICATION, NOT CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 an unauthorized inquire on my TransUnion report. below is the information : Institution Information XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Date : Inquiry from XX/XX/2017 2017

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 2017-11-29
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Repeated ROBO calls over almost a year to collect a debt. Unable to speak to anyone about the debt. Wrote a letter twice, returned twice, address in not accurate. I do n't owe anyone any debt. At one time a physical therapy business did n't credit my ( and my husbands ) accounts appropriately and I may have been sent to collections in error. I resolved this issue with the PT business directly and actually had a credit balance. I do n't know how to contact debt collector to ask for written information regarding this " debt ''. I 'm afraid to be bullied or make things worse if I speak to them in person. I 've never had outstanding debts, my credit score is usually around 800. The collector is Transworld Systems.

Company response to consumer: Closed with explanation