BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have sent letter to all 3 Credit Bureaus XXXX XXXX Transunion In Regards to many fraudulent accounts on my report that I have been attempting to have removed. I have validated all documents and necessary verification information and I am now seeking to have these fraudulent accounts listed below removed from my report. 


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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ( all 3 bureaus ) XXXXXXXX XXXX XXXX XXXX XXXX Transunion XXXXXXXX XXXX XXXXXXXX # XXXX ( XXXX & XXXX ) XXXX XXXX XXXX XXXX # XXXX ( all 3 Credit Bureaus ) XXXX. XXXX XXXX # XXXX ( All 3 Credit Bureaus ) XXXX. XXXXXXXX XXXX XXXX XXXXXXXX ( All 3 Credit Bureaus ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXXXXXX XXXX XXXX XXXX ( All 3 Credit Bureaus )

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 2020-05-24
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-08-27
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I transfered amount of money to international. When i fill the form they just showed that i have to pay {$25.00} for the transfer fee. But when the amount of money come to my recipient 's bank they told that when we fill the form we choose the sharing fee with the recipient. But i didn't do that. Why the recipient 's bank told that to recipient? What happened with my amount of money?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: NC
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Ascension Recovery Management
State: WI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received a call at my work, from XXXX XXXX saying she had to speak with me right away. I tried calling her back on XX/XX/XXXX and spoke with a XXXX XXXX who wanted my date of birth and social security number yet refused to disclose who he was and why he was contacting me. On their recorded line, I told him I am not to be called at work, I dont know why they are calling and It sounded like a scam so I ended the call. 
XX/XX/XXXX XXXX XXXX calls me at work again and leaves a message. After work, I call her back to have a bantering conversation with her and she told me the last 4 digits on my social security number, by saying the first and third number were the same, I said yes and she then identified herself as a debt collector for Ascension student loans for my non payment of over {$200000.00} in student loan debt. I told her this was a case from XXXX of identity theft and the first part of my SSN is NOT matching their records, the other persons birthday is in XXXX and the debt is not line and to never contact me again. She said she can contact me. I told her I dealt with this claim with the CFPB and she started getting nervous. She is with XXXX XXXX XXXX, XXXX. XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: JPMORGAN CHASE & CO.
State: FL
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:
*XXXX/XXXX XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me *XXXX/XXXX XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me *XXXX/XXXX XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me *XXXX XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me *XXXX/XXXX  XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me *XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent many letters to try to get this account removed from my name many times it has been 2 months going on 3 months and yet has the Credit Department been complying with the law. They know that if i ask for proof of account collection being mine they must show me proof to collect the debt. They have failed to do so and i have try to work with them on providing me the proof.

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 2018-02-20
Company: CORELOGIC INC
State: FL
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 applied as a cosigner for an apartment. I did not expressly authorized the landlord for a Hard Credit check on my credit report, but still a hard credit check was performed by the company CoreLogic. I have reached out to them and they refuse to remove the inquiry saying that I authorized it, when in reality it is not expressly stated that I signed for a hard credit check to be performed

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 2020-07-08
Company: The Thomas Agency, Inc.
State: ME
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:
in tolusions that belong to someone with same name but different DOB and address. One inclusion should have been removed due to fraud but still remains. The thomas agency still reports inclusions that belong to someone else and with same name but again different DOB and address and refuse to address. recently we recieved a report from XXXX  that still after months showed the fraud account and it should have been removed last year Both thomas agency and XXXX  have refused to correct their errors and we are talking from 6 months to 2 years. what can I do to fix this?

Company response to consumer: Untimely response
Consumer complaint received 2020-08-27
Company: Patient Accounting Service Center
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX - Received letter from ARSTRAT attempting to collect {$2400.00}. 
XX/XX/XXXX - I sent a dispute letter asking for verification of debt. 
XX/XX/XXXX - Received letter from ARSTRAT stating that my dispute was not valid and that their information is accurate. They were attempting to collect {$2400.00} for dates of services XX/XX/XXXX and XX/XX/XXXX. They attached an itemized statement from XXXX Hospital for dates of service XX/XX/XXXX and XX/XX/XXXX. 
XX/XX/XXXX - I sent a letter to ARSTRAT stating that they were attempting to collect a false amount of money from me for two different dates of services, many of which I had already paid for. I notified them that I would be filing a violation complaint with the FTC and Attorney General for attempting to collect a false/fraudulent amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
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: Personal information incorrect

Complaint:
Neverauthorized any credit check from XXXX XXXX. I was told that this was never going to show up on my credit record. I was misled by sales rep, trying to sell me a service. Spoke to XXXX XXXX, Salesperson on phone that day. He said I never should have been asked for any information. 
XXXX XXXX, XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: VA
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:
XXXX XXXX XXXX XXXX has an paid off collection account showing on my XXXX Credit report and this item has been previously paid off by my Doctors office. The item should have never been put into collections originally due to financial assistance programs I am on through the state. I myself have sent the paid invoices to XXXX XXXX XXXX and they agreed to remove the information from my credit reports with other bureaus, ( XXXX, XXXX  ) but the only report that still shows any collections owed months later are on my XXXX  credit report for 2 separate bills of {$110.00}. {$220.00} total! I really just want these 2 bills to be removed from ALL of my credit reports once since they have been PAID IN FULL!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was frozen then I had overdraft fee and my account was closed due to supposably fraud

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 2021-02-10
Company: Experian Information Solutions Inc.
State: SC
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 called out to Experian at phone # ( XXXX ) XXXX on XX/XX/XXXX I spoke with a representative by the name of XXXX in the dispute department, I explained to her that I sent in a dispute letter to Experian dated for XXXX XXXX she confirmed Experian received the dispute on XX/XX/XXXX, I ask them why did they not delete the accounts I disputed, she advise me to give them a example, I said I Disputed a account with XXXX XXXX XXXX account # XXXX and instead of Experian doing investigation she advised they notified XXXX XXXX XXXX which gave them the right to update the account instead of doing there own investigation and finding it to be inaccurate to delete the account, she advised me that the account can not be deleted if even if its inaccurate according to FCRA , she advise the only way for the account to be remove is the creditor must send in a delete letter. This is very inaccurate according to FCRA.

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 2020-09-01
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an alert on my credit file that there was a new collection. When I pulled my report there are 2 accounts from some place called RadiusGlobal for a XXXX XXXX. I haven't been to the doctors in years, I never received anything in the mail and I no idea who this even is.

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 2018-07-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My credit card is issued by USAA ... I also have it linked to my checking account for overdraft protection.. .. 

MY MISTAKE .. {$1900.00} taken out on XX/XX/XXXX .... I immediately paid the monies back to the bank very next day XXXX I also made sure to make my required payment. AND made sure there were no new charges or overdrafts ... 

I have 0 % balance on monies already on the card. Each month afterwards they have been applying about 40 % of any ADDITIONAL payments I make to the 18.6 % credit balance and NOT the entire extra payments. This has lead me to be charged interest each subsequent month. I have called in about this several times to no avail. 

I do NOT make extra charges against the account. NOT getting more overdrafts and my extra payments are several $ 100s of dollars In fact XXXX extra payment totaled {$900.00} and XXXX payment total {$2000.00}. I called USAA XXXX months in a row. Asked them if they understood The Credit Card Accountability, Responsibility and Disclosure Act of 2009 and that my extra payments are supposed to go towards the highest payment amount. Was told that only a portion has to go towards highest interest as long as I had a balance on the card .. even though that balance is 0 %. They are aware am not making any new charges! 

I gave them a chance to correct the problem and was told that they will continue to split my EXTRA monthly payments as they see fit. Requesting this stop and ALL interest be refunded back to me. Have been instructed by the USAA Agent that my account has been noted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CURO Intermediate Holdings
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Didn't have the funds available. Tried to get the company to stop but the refused. Account is now XXXX negative and they continue to try and withdrawal and bank wont close account until I pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by Consumer Finance and Wells Fargo. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. Example of discrepancies. On one set of customer account activity statements received XX/XX/XXXX, there are 11 transactions for the month of XX/XX/XXXX beginningXX/XX/XXXX-XX/XX/XXXX. On the other set of customer account activity statements received XX/XX/XXXX, there are 10 transactions for the month of XX/XX/XXXXbeginning XX/XX/XXXX-XX/XX/XXXX. There are also fees that are not consistent on each set of statements as well. I have also highlighted the discrepancies on the customer account activity statements. The discrepancies are as follows : Documented on XX/XX/XXXX customer account activity statements.

Not documented on XX/XX/XXXX customer account activity statements XX/XX/XXXX Repay of Escrow Advance {$470.00} XX/XX/XXXX Escrow Advance {$590.00} XX/XX/XXXX Repay of Escrow Advance {$77.00} Documented on XX/XX/XXXX customer account activity statements.

Not documented on XX/XX/XXXX customer account activity statements XX/XX/XXXX fees Assessed or Recovered Fee {$82.00} XX/XX/XXXX fees Assessed or Recovered Fee {$25.00} I would like to take legal action on this matter.

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 2018-07-05
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
There two reporting negative from Nelnet which is incorrect. ALL of my student loans are deferred and All consolidated through the US DEPARTMENT OF EDUCATION. I do not owe nelnet they were bought out by the department of education

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX  and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2020 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Amsher Collections ( XXXX ) not being able to verify the account numerous of times nor provide any type of proof I would like this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23
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: Account information incorrect

Complaint:
XXXX XXXX XXXX, XXXX is reporting a collection on my credit report that has been paid in full. XXXX XXXX XXXX  is the original creditor.

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 2020-11-19
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I filed a PSLF 4 months ago and FEDLOAN Servicing keeps refusing to process it intentionally in order to deny me the protections afforded to me by the XXXX XXXX. They ignored the application I consecutively filed 9 times. Attached is a photograph.

Company response to consumer: Closed with explanation