BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-11
Company: WELLS FARGO & COMPANY
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I went to XXXX University and got one wellsfargo loan. When I left XXXX University they kept putting loans in my name even after I had withdrew. I dont believe these loans are mine but have been paying on them because they keep threatening to ruin my credit. They have been charging me late fees, aggressively calling me on the phone and mail and refuse to work with me. I told them that my husband had died but they did not care they still wanted their large payment. XXXX University says that I do owe for these loans, however XXXX is very corrupt. They fail students they do not like and refuse to pass XXXX students. I finally left because XXXX advisor told me that she was not going to pass me no matter what grade I got! 

Wellsfargo is using predatory practices for these student loans and I need HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I made a payment to XXXX XXXX to pay off and delete the trade line from my account. 

The full amount owed was XXXX. 
I was told that If I paid a smaller amount they would delete and remove the account and sent a letter that says just that. 
It stated " Pay the amount of XXXX and we will consider this account paid off and request removal from the credit bureau '' Once I paid the XXXX, My account still showed that I owed them a balance of XXXX. 
I called and they said they never said they would submit for delete but would submit as settled to the credit bureau. 
I noted that settlement and paid in full are two different things and the language on the letter did not state settlement. 

I went to submit a payment for the remainder of the XXXX and they said it wouldn't process until the next day but I said it should process right away because it's not an ACH. It should've been submitted for the XXXX of XX/XX/2019 but the processing would go through the next day. 

A week goes by and credit is reported and the account is still open ; along with it stating the balance was lower. 

I asked them why they sent a letter saying they would request delete if paid and then not submit the request on the day they submitted new balance? 

They said it takes 30 days to do that but it shouldn't because it's the same submission process on that day. 

So, they've updated my balance with a lower amount owed but the account is and has been paid in full and completely closed out. 

All payments were submitted on 8th and the money was already withdrawn from my bank account on that day for both payments. 

My account should be completely removed from the bureau ; as full balance has been paid and they stated they would submit to have it removed once payment was made. 

They said I will have to wait until next month but all payments were submitted and withdrawn from my bank account on XX/XX/2019. 

They said the submit their credit reporting on XX/XX/2019 So, if that's the case. 
The payment I made earlier in the day shouldn't have been reported either I would like for this account to be removed from credit immediately - As I've not only " paid the settlement '' in their terms but paid it in full as well. Regardless, even if I made two separate payments. They said they would have the account removed if I paid {$290.00} I paid that amount so if they reported on XX/XX/2019 and I had paid what they requested me to pay to have account removed from credit. It should still be removed whether I paid the remaining amount or not but I also paid that extra amount and paid the full balance of {$490.00} so the account should be reported and showed accordingly on the credit.

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 2019-05-15
Company: PHH Mortgage Services Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX I have been paying home insurance ( XXXX XXXX ) and also paying escrow to my mortgage company ..XXXX sold my mortage to PHH XX/XX/XXXX.I have ask numerous times to be refunded and then was told the case was closed and they would only pay for 2 back years totaling {$5000.00}. Now they have left it up to me to fight the Insurance company XXXX ( XXXX ) whom they use. XXXX XXXX has records of my payment and there paying the mortage company also>I have since asked to be de escrowed told I wasn't eligible. after turning them over to the NCDOJ they are now looking into it again. 
My mortage payment is around {$460.00} my insurance ( escrow ) is  {$430.00} big problem here. I want to be de escrowed and my over payments returned..by whomever is responsible. 
I have had numerous conversations and get the run around each time and someone different each time. Thank you for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
I received a call didnt recognize the number so I contacted the number back. I verified my name and phone but the representative REFUSED to tell me why they were calling wanted me to verify my social and date of birth or address told her I was comfortable verifying that information until I knew why they were calling she said she just needed to me verify my address. I verified but she then said she had to have my social and date of birth told her I didnt want to verify that information until I knew why they were calling she again refused. I told her to contact my attorney she said she couldnt take that information that she would ha XXXX to call my back. Her name was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a debt on all 3 of my credit reports. I seen this on XX/XX/XXXX that it was reported on XX/XX/XXXX in the amount of {$850.00}. Account number is XXXX. 
I was not aware of this debt first. Never received anything from the collection company nor the original debtor. Also, I do not know or have any ties to this collection agency. Another thing, I was never seen at the original organization that this debt is claiming to be. By law, you can't report any debt without notifying the consumer first. This is also a HIPAA violation by medical law. Because I did not give the right to any collection agency to have my information disclosed. That is private and confidential information, anything pertaining to me is private and was not to be shared with a collection agency or any other agency. I have contacted my attorney regarding this collection agency who is trying to damage my credit illegally and against the original creditor for selling my information to them. When a person signs a HIPPA form, it's for this reason right here. And it has been violated by law.

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 2019-05-15
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: Their investigation did not fix an error on your report

Complaint:
I have submitted sufficient proof that this account is not valid and that I am not liable. I have a letter from the actual collection company stating that the I am not liable for the debt. After " investigating '', Experian still refuses to remove the negative information stating that the account has been updated. I am including the letter from the collection agency that clears me from this debt, as well as my before and after investigation results. This is a violation.

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 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I would like to add my contact telephone number to my credit file : My telephone number is 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 2019-06-24
Company: EQUIFAX, 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:
FOR MONTHS HAVE BEEN TRYING TO REMOVE THE 2 FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. EQUIFAX KEEPS TELLING ME THAT THYE HAVE SUBMITTED MY DISPUTE TO XXXX  XXXX XXXX AND TO XXXX XXXX  LINE OF CREDIT. TODAY I SPOKE WITH A MANAGER AT EQUIFAX AND SHE INFORMED ME THAT THEY DISPUTE HAS NEVER BEEN SUBMITTED TO XXXX  XXXX XXXX AND TO XXXX XXXX LINE OF CREDIT. 

I AM NOT REALLY SURE WHAT ELSE TO DO, AND NOT REALLY SURE TO WHOMI SHOULD CONTACT SO I CAN FINALLY HAVE THE 2 FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Pangaea International Receivable Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
we asked the XXXX XXXX have our company name ( XXXX XXXX XXXX ) in their system and get everything ready for when our company start ruining we dont have to waste time on marketing time and setting up. They told us over the phone is one payment of approximately {$380.00} dollar and we asked them to just add us in their database and not start any campaign or marketing and after few months we realize they are taking money out of our account with out our permission and we called the bank and got our money back. We had no contract with them what so ever and we only agree to one payment of which was approximate {$380.00} dollar which we paid them. after we find out they are scamming us i contact the agent and i kept all the emails back and forth and he say that their department made mistake and dont worry about it. and they still send it to collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Your company put a fraudulent credit inquiry on my XXXX credit file, and now, you all are standing behind this miscarriage of justice. Your company has called me a liar. As a XXXX and a lifetime member with the XXXX, I am ready to fight for my rights. 

Your company had the impudence and the unmitigated gall to be slick at the mouth, and I am forced to do this. Your company had used XXXX undertones when I called your company from a different number. I have no other choice but go on the offense. 

I am in the process of initiating an all-out boycott against your company. I have reached out to XXXX. XXXX  XXXX ( XXXX XXXX XXXX ), XXXX. XXXX XXXX, and my local chapter, XXXX XXXX XXXX, ( XXXX XXXX & XXXX XXXX ) XXXX ( XXXX XXXX ), and XXXX. 

Your company will hate you all attacked a Veteran and compound the problems with XXXX and prejudiced undertones. You think this boycott will not work because you all hardly patronage with XXXX, and your company has a high disregard for my people. I will make you all regret this foolish and XXXX decision. 

You will have grief for your proud, superficial, and untrustworthy idioms. I have set up another email that truly represents your company. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  credit card was used by an ex spouse, I tried numerous times to dispute the debt because it was used with HIS CARD, not mine. The debt was established in XX/XX/XXXX and should have come off of all three bureaus by now. XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. However, Portfolio Recovery Associates, LLC keeps sending me communication and renewing the debt so that it looks like NEW debt on my credit. 

They have sent me communication in XX/XX/XXXX AFTER the debt should have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Hey I was looking on my credit report and I see TransUnion is reporting XXXX XXXXr XXXX charged off account as open when its closed. Second, The balance is {$12000.00} but TransUnion is reporting {$15000.00} on my credit report. TransUnion reporting that on XX/XX/XXXX at the public auction {$8000.00} was paid on this account from {$20000.00} which shouldve brought the balance to {$12000.00}. I included a copy of my credit report that TransUnion mail to me on XX/XX/XXXX which shows a payment of {$8000.00} and a charged off balance of {$20000.00}. TransUnion has been illegally reporting {$15000.00} since XX/XX/XXXX which damaged my credit and had me stressed. That was 1 year of false and illegally reporting that damage my character and reputation. TransUnion is reporting incorrect, inaccurate, inaccurately reporting. 

Please DELETE this account immediately!!! Under the Fair Credit Reporting Act, EVERYTHING IN YOUR REPORT HAS TO BE 100 % ACCURATE and CORRECT OR IT MUST BE DELETED!!

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 2019-05-15
Company: Santander Consumer USA 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 status incorrect

Complaint:
Chrysler Capital is in violation of my credit reporting. I have two leases with Chrysler Capital, one for a XXXX XXXX Account # XXXX and the second is for a XXXX XXXX Pick Up Account # XXXX. 
I have been in contact with Chrysler Capital many times over the past few months relating to my accounts. I have paid my accounts though XXXX XXXX and online. In particular my XXXX and XXXX payments including other payments not registering leaving my accounts to appear incorrect. In a recorded conversation in XXXX I was informed that my payments had been returned to the bank therefor I was two months behind. I called my bank and it was shown in a bank statement that both XXXX and XXXX payments went through. In a recorded conversation I phoned Chrysler Capital back and informed them of such and after further research I was told that both payments had been transferred from the XXXX to the XXXX without my consent. To rectify in the most simplest manner I explained to Chrysler Capital to only move the XXXX payment back to the XXXX. I was told to check back in five business days to confirm all was done. In the meantime within the five days I received a notice to repossess my vehicle for non payment. In a recorded conversation on XX/XX/2019 I was told that there never was a transfer and to disregard the notice to repossess a they were going to audit both accounts to see what the final payment is on the XXXX and where I am at with the XXXX because there was imminence confusion verbally and in the account. 
On XX/XX/2019 the very next day I received a notification that my credit score had gone down 67 points!!! When I inquired with XXXX XXXX it was the reporting of the XXXX account by Chrysler Capital. It would have been paid in full had the correct amount been posted however I could not get a verified answer in any of my phone calls. 

After logging in today I see that the accounts STILL HAVE NOT been corrected and I have no choice but to file with CFPB including my local State Senator to take action. The result of Chrysler Capitals incompatibility has place m at jeopardy fr loosing my job, not able to take out a college loan for my son reflecting the tremendous amount of points that my score has gone down ( 67 ). 

We are a family of XXXX with XXXX young boys and need our jobs for health benefits as well as surviving basic needs. The vehicle has since been returned to the dealer and Chrysler 's rush to damage my credit report before offering me the ability in a timely manner to bring this account current was a poor business decision and in violation of my rights. I have been contacting Chrysler to make every attempt to clear matters up and still have not received an appropriate outcome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
There are accounts on my credit report that are reporting inaccurately. I have also been a victim of Identity Theft in the past and I feel like the Credit Bureaus are NOT protecting me or my credit. There's a XXXX XXXX account that has been disputed several times and XXXX XXXX and XXXX have removed it but Equifax is refusing. I need these accounts to be following the laws of the FCRA, and not continuously refusing to. Here are the accounts in question : XXXX XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - This is not mine nor have I been to any medical facilities - and I have insurance I requested documentation that was never sent. 

These inquiries contain no signature and has no permissible purpose. The FCRA states that the only permissible purpose for pulling someones credit report is A ) firm offer of credit B ) insurance C ) a court order. D ) employment I DID NOT AUTHORIZE THESE and they need to be removed immediately. 

XXXX XXXX XXXX Miscellaneous Finance XX/XX/2019 XXXX XXXX XXXX XXXX Finance/Personal XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XXXX Bank XX/XX/2019 XXXX AN # XXXX - XX/XX/2019 Equifax XXXX XXXX - XX/XX/2019 Equifax XXXX XXXX Finance/Personal XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

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 2019-07-11
Company: United Resource Systems, Inc
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The following is a letter that I sent to XXXX XXXX XXXX XXXX : The collection Agency is on there for 3 charges from United Resource Systems XXXX XXXX XXXX XXXX, XXXX Fax I am faxing 3 letters for charity that was issued by XXXX XXXX XXXX XXXX that covers the dates that you provided service. I thought that the charges were taken off when the charity was given, but they have not been taken off yet. 

These three numbers are what I was given when I called in : XX/XX/XXXX -- -- XXXX Charged {$1000.00} XX/XX/XXXX XXXX Charged {$1700.00} XX/XX/XXXX XXXX Charged {$1800.00} These charges have also been sent to the Collection Agency, United Resource System and are also on my Credit Bureaus. 

My phone number is XXXX. 

Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: EQUIFAX, INC.
State: OH
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 requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXX XXXX.I received a letter from the United States Bankruptcy Court stating that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/2018. I would like to have the judgement removed to to the fact it was obtained illegally and purchased from a third party agency illegal. Thank your for your support.

Company response to consumer: Closed with explanation