BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-31
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: Was not notified of investigation status or results

Complaint:
What happened here is I sent out dispute letters to the three credit bureaus and I haven't gotten anything from them yet. Specific dates are XX/XX/2020. Today is XX/XX/2020 so it's been a month and 20 days or 50 days if you prefer. I believe that is plenty of time to have received anything back even with COVID delays. 

Please have all three credit bureaus investigate for me and send me something back.

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 2020-07-01
Company: URS Holding, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On Monday, XX/XX/XXXX, I spoke to an agent in regard to my account with the University XXXX XXXX. Even though I do not believe I am responsible for the debt, I have tried to dispute it gets denied. I explained what happened- that I medically withdrew from school and should not have an amount due. 

I decided to speak with an agent to see if we could come to a settlement, but he refused. I asked to dispute it, but he said that it wouldn't matter. I told him I would speak to the University XXXX XXXX, and he said they wouldn't deal with me anymore. I told him I am not responsible for the debt, and he told me they would get my money regardless- that they will take my money from my taxes or garnish my wages if I don't pay. 

I am trying to work with the company but they just will not. 

TOP can be used for delinquent student loans, but not for a delinquent account at a school. - his threatening is illegal and not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Transferred rent money from my bank to my lawyer thru the company XXXX but his account wasnt working so I had them put it back to my XXXX account. When I thought I could transfer the funds back to my bank account my account was frozen and I was given an email stating I wasnt going to be getting any of my money back because it was there policy in fine print you arent allowed to transfer funds back to your own bank which I didnt know. They are stating they are creating an investigation because I had a prior account with fraud in it which I reported to my bank and they are now stating I owe them for that but I dont because it was fraud nd ruled by my bank. I tried to explain the situation to them but they are not giving me any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09
Company: STERLING JEWELERS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
All of XX/XX/2018 I had not received a statement from XXXX XXXX XXXX XXXX regarding payment. I contacted the Management team informing them of the issue. They updated my contact information, removed the late charge from the account but would not remove the late with the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: FL
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:
For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE and NO OTHER WAY including full First and Last names, my current correct resident address Street Number and Street Name as well as City and State, my factually correct date of birth and the factually correct last four of my reported SSN #. ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY! 

Delete reported data NOT certifiably COMPLIANT XXXX  XXXX - XX/XX/XXXX XXXX   - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XXXX - XX/XX/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 2020-07-31
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: Was not notified of investigation status or results

Complaint:
What happened here is I sent out dispute letters to the three credit bureaus and I haven't gotten anything from them yet. Specific dates are XX/XX/XXXX of 2020. Today is XX/XX/XXXX of 2020 so it's been a month and 20 days or 50 days if you prefer. I believe that is plenty of time to have received anything back even with COVID delays. 

Please have all three credit bureaus investigate for me and send me something back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Experian Information Solutions 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:
XXXX XXXX XXXX, account no.XXXX  is erroneously reporting on my EXPERIAN AND XXXX  reports post dispute.The account, balance history, charge-off status ... everything is wrong.First of all, what they are missing was that I paid off the account, over the phone with my XXXX debit card when the total balance was about 250 dollars..no evidence of that in the record.Secondly, the account is re-aged, the date of 1st delinquency is about 9 months prior to what the record states.

Delete the account from all bureau files ... I can acquire my bank records any time I need it even if they are archived to prosecute the bank and the bureau for statutory damages due me.When my purse was stolen in late 2014 for which a police report was filed someone gained access to my identity and opened many credit accounts in my name.If they were able to abuse this account, they did, they were professional thieves.

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 2019-01-11
Company: EQUIFAX, INC.
State: MD
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/2018, I submitted a USPS Certified Letter, dated XX/XX/2018, that was addressed to EQUIFAX, because, on or about XX/XX/2018, I discovered that EQUIFAX had re-inserted two tradelines CHILD SUPPORT ENFORCEMENT and XXXX XXXX into my credit file that were originally disputed and deleted on or about XX/XX/2018. 

It should be noted that EQUIFAX choose to ignore and failed to respond to my initial dispute. To be specific, and according to FCRA 611-15 U.S.C. 1681i, EQUIFAX failed to provide me a letter in writing, a statement that the disputed information has been reinserted, not later than 5 business days AFTER the date of the reinsertion.

Proof that EQUIFAX did, in fact, receive my initial dispute : 1-Dispute letter, dated XX/XX/2018, that was addressed to EQUIFAX ( Page 1 and Page 2 ) 2-One US Postal Service-CERTIFIED MAIL RECEIPT XXXX XXXX XXXX XXXX XXXX ( XX/XX/2018 ) 3-One One US Postal Service-CERTIFIED MAIL RETURN RECEIPT XXXX XXXX XXXX XXXX XXXX that was signed by EQUIFAX employee XXXX XXXX and dated XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
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 fraud alerts or security freezes

Complaint:
Experian will not unfreeze my account. i unlocked the account online but they do not provide access to my bank. I entered my credit card number info to pay the {$10.00} and was denied. it is so frustrating.

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 2020-07-01
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection account from AFNI, INC ( Original creditor - XXXX XXXX XXXX XXXX ) added to my credit report in the amount of {$370.00} on XX/XX/2020. 

I have not been an XXXX XXXX XXXX XXXX customer for the past 8 years and have no knowledge of any remaining balance owed. This is the first time Ive ever heard of such claim. 

I have never heard of such company called AFNI, INC Please remove collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: POPULAR BANK
State: NH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank will not allow me to withdraw any money in my account. They say it is there policy to not allow any withdrawals for sixty days from the day an account is opened. However, this restriction is nowhere to be found in the account 's terms and conditions ( legal agreement ). The bank is therefore violating Regulation CC.

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 2021-06-23
Company: CIG FINANCIAL LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a federally protected consumer and the original creditor. I was not obligated to CIG financial alleged debt. The Federal law states that any person sending you a " bill '' is in violation to your consumer rights. Cig Financial is in violation to FCRA, FDCPA, and TRUTH AND LENDING ACT. Dispite the federal laws CIG financial collected on this alleged debt. I did not give CIG Financial DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ). CIG financial did not tell me about my right of rescission pursuant to 15 usc 1635- right of rescission. CIG financial is criminally liable for all of these violations pursuant to 15 usc 1611 and 15 usc 1640.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 




1. USDOE/XXXX Account Number : XXXX 2.XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed items is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.

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 2018-08-09
Company: Rosebud Economic Development Corporation
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Took out a payday-loan not knowing that it would cost 790.76 % from XXXX XXXX dba Rosebud Lending. I was already in a financial bind to begin with and did not realize what i signed up for until I went back on the website to read terms and agreement on the loan. I borrowed a total of {$300.00} on the loan in XX/XX/2018. So far i have paid to payment of {$180.00} first payment was on XX/XX/18 and next payment was on XX/XX/18. So far i paid a total of {$360.00} as of today. I have paid back the loan I borrowed plus additional {$64.00}. I did not realize that majority of the payment would go towards the interest/finance charge of 790.76 %. This is absurd. I am a struggling mother of XXXX kids barely getting buy to pay our rent so that i can have a roof over my kids head. I can't afford and continue to pay {$180.00} for another 9 months which in the end of my loan would cost me a total of {$1600.00} on a {$300.00} loan.I am requesting that you consider my loan agreement to be paid in full since you have already taken {$360.00} of my money. If I continue to pay I will not have enough funds to cover my rent. I am struggling now and can't afford to be kicked out of the apartment i am renting with my children. I tried to call and emailed several times and got nowhere with your company. I was also advised by the local attorney general office that XXXX XXXX is not licensed to do business in my state.

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 2018-08-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have my checking account with Wells Fargo bank for about seventeen years, but I notice in the year XX/XX/XXXX that Wells Fargo had opened about four lines of credit on my name and only one of them had my consent. The problem started when the bank without authorization was doing automatic draft from my personal account and at the same time I was paying my obligation by check as a result the bank has an amount of {$45000.00} taken from my account between the years XX/XX/XXXX and XX/XX/XXXX.the reason because I am complaint at this time is because was to hard to get the bank information even though I visit the branch frequently and I have been in contact with personnel of the bank but I do not see the wiliness of Wells Fargo in dealing with the problem instead they address me to a third party that has nothing to do with the case. I am tired to visit Wells Fargo other locations with not result. in the present I do not have sufficient availability to hire a lawyer, I hope the laws and regulation to provide me protection on issues like the one I am facing now.

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 2020-07-04
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Had contacted agency XXXX Numerous times verbally told by customer service agents electronically that i had a 0 % interest rate for 12 months now am being told is XXXX out of the blue and they are going to do nothing about it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: EQUIFAX, 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 information incorrect

Complaint:
The company use my work address to send the bill but I never received it! Bill got late 4 months Try to fix the problem with XXXX XXXX without success. Company reported delinquent account. The amount was {$3700.00}. I paid {$13000.00} to liquidate the bill. and they still reported negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The issue is with Santander Consumer auto loan. I purchased a vehicle on XX/XX/XXXX and the finances amount is {$16000.00}. A few days later I sent a payoff cashiers check ( with vehicle information, year, model, make, VIN ) to Santander Consumer USA. After that, 3 days later I called to see if there was anything else owed on the vehicle and to make sure everything went through smoothly. Representative told me that my account is still processing but I shouldnt worry about anything since I had the VIN on the cashiers check, it would be applied automatically as soon as my account was created. Santander took over two weeks to create my account during which they were charging me interest daily. I could not pay off the loan even though I tried. Now they put additional {$200.00} worth of interest even though I tried to pay off my loan just a few days after it was created. Daily interest generated is {$5.00}. They charging me for 37 days worth of interest even though I tried to pay off the loan not even a week after it was created.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We have been receiving phone calls to my wife 's cell phone from Diversified Consultant Inc. We have attempted to block their number ; however, the following day they would call from a different number. Calls are received everyday around XXXX XXXX  and around XXXX XXXX. Here are some of the numbers they have used to call us : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX It appears to be a collection agency. We have no outstanding debt that would require debt collection. 
We have spoken to someone from the company named XXXX. He said they would remove our number from their list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09
Company: AES/PHEAA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This information is fraudulent and needs to be removed from my credit score immediately and permanently. CREDIT COLLECTION SERVIC CREDIT COLLECTION SERV

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation