BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-29
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Every time I cancel my " membership '' with Experian, they come up with false reports and claims. This time I canceled my membership on XXXX Within 3 days they " claim '' I have a debt to a company called " XXXX/XXXX '' that says the debt is from XX/XX/XXXX. I live out in the middle of nowhere and have NEVER had this cable company ( which is what it believe it is ) My only options out here are XXXX or XXXX. I have XXXX & have had them since XX/XX/XXXX when I moved here. PRIOR to that I had XXXX XXXX XXXX, BEFORE they merged with XXXX. My last monthly bill with them was paid XX/XX/XXXX for {$130.00}. When I try to " dispute it '' of course Experian comes up and says that option is not available to me. WHY? Because I refuse to pay for their crooked false reporting? 

This is the 2nd time I have canceled where Experian plays games with my credit report. The last time they dropped my score 50+ points when I paid off my mortgage in XXXX. They are the ONLY ones who play games with my credit score. NONE of the other agencies are reporting this " FAKE '' collections debt! 

I have worked very hard to keep my score up around the XXXX area  and just because I pointed out NOBODY uses Experian so why should I continue to pay them does NOT give them the right to post FAKE COLLECTIONS or DEBT to my account!

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 2020-07-08
Company: TekCollect Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX using XXXX XXXX as a 3rd Party I contacted Tek Collect, after noticing them on my credit reports attempting to collect for XXXX XXXX XXXX. 

I had an unsecured loan threw my bank, XXXX XXXX XXXX XX/XX/XXXX, that loan was paid IN FULL within its time frame by XX/XX/XXXX. I obtained this loan as a XXXX XXXX  due to the govt shutdown. There were stipulations on them, and we had to pay them back asap. Under no circumstances should a collection agency ever been contacted regarding my loan with XXXX. So why did Tek Collect show up on my acct in XXXX? 

Using XXXX XXXX, I requested that Tek Collect remove their tradelines from the credit bureaus, due to my XXXX loan had BEEN paid in full. I received a letter dated XX/XX/XXXX stating that they had done so. I assumed they notified all 3 bureaus ... in the letter it stated the credit reporting agencies .... I saw their info deleted from XXXX. 

Later to find out, its still on my XXXX report. Please see all supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Greetings! This was my fourth complaint to follow up the items I requested to be investigated and corrected from my previous filing dated XX/XX/2023. Again, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts needed to be investigate and corrected for erroneous reporting in my file and are listed on my credit reports : 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 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 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 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 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 XXXX XXXX TRANSUNION 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
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: Personal information incorrect

Complaint:
Wrong address reporting on my file. Please remove ALL address that is not correct. I have uploaded my driver 's license for proof of address. I have tried to have this removed from XXXX, XXXX, and Transunion and it has not been done. This is going on for 2 years now off and on. 

Please remove ALL names that are incorrect. I have uploaded my driver 's license for proof of address. I have tried to have this removed from XXXX, XXXX, and Transunion and it has not been done. This is going on for 2 years now off and on.

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 2021-02-11
Company: M&T BANK CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife filed bankruptcy in her name only. I received a letter regarding a loan that is in my name only stating that M & T bank put my account into bankruptcy status, they will stop my online access and stop reporting my payments to the credit bureaus unless I file a reaffirmation with the court. 

I didnt file bankruptcy, my spouse is not on this loan, therefore I have no bankruptcy case to file reaffirmation with and the loan will not be discharged in my wifes bankruptcy case because this is not her debt. I still owe this debt. There is nothing to reaffirm. 

The bank is saying that because someone used my address to file, they have to put my loan into bankruptcy status. This makes no sense. If she had used my neighbors address to file, would the neighbors loan go into bankruptcy status??? I have offered to send them a copy of the bankruptcy petition to prove that this loan is not on the petition and not being discharged. They dont care. 

They have put me in a situation that I cant legally or logically resolve. If I do not compete the reaffirmation, they will damage my credit, but reaffirmation is to be filed in a bankruptcy case for a loan that has been discharged. I HAVE NO BANKRUPTCY CASE TO FILE IN AND THIS LOAN HAS NOT BEEN DISCHARGED. I still am responsible for this loan the same as the day before my wife filed. The only way I can complete reaffirmation is if I myself file bankruptcy and get the loan discharged. They dont seem to understand that one needs to happen for the other to be possible. I did not file bankruptcy and this loan has not been discharged. 

They have no instructions on how to file a reaffirmation when you havent filed bankruptcy and why it is required to reaffirm a loan you are still responsible for.

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 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Sent letters to Transunion complaining of credit inquires I did not authorize, transunion did absolutely nothing. They have had many credit breaches in there system and refused to remove the inquires. Then on XX/XX/2019 I complained about my score being reported wrong from XXXX  and 2 days later they dropped my score 15points. My scores on XXXX  and XXXX went up over 30 points. Please look into this matter.

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 2018-07-18
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: Personal information incorrect

Complaint:
IN REGARDS TO EXPERIAN XXXX. XXXX  XXXX XXXX TEXAS XXXX I HAVE SENT COUNTLESS CERTIFIED LETTERS TO RECTIFTY THIS PROBLEM OF BEING A VICTIM OF IDENTITY THEFT AND FORGERY AND FRAUD BEING COMMITTED IN MY NAME. IM TRULY UPSET BY THESE ACTIONS OF EXPERIAN AND HOW THEY HAVE NOT DONE A PROPER INVESTIGATON ON MY PERSONAL INFORMATION AND REOMOVING THIS FRAUDULENT INFORMATION THATS REPORTING ON MY CREDIT 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 non-monetary relief
Consumer complaint received 2018-05-15
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
For the past 9 years, my ex-husband has been paying the private Navient student loans that my mom and myself co-signed for. At time of signing in XX/XX/XXXX, my mom and myself, as well as my ex-husband, were told that as soon as they receive 12 months of on-time payments, that we can simply fill out a co-signer release form and we ( the co-signers ) would be released from the loans. After years and years of consistant payments and turning in the co-signer release form, it was rejected by Navient ( Sallie Mae ). Most time we never received it in writing, only finding out when calling them to inquire ( which usually takes 30 minutes on the phone and being transferred to multiple Navient employees. They said that paying on time alone will not allow for release ... it is ultimately up to their discretion but we never received any details involved in their review process. Both loans have been in repayment for 9 years, with total payments made being more than what the original loan was for, but after all of that time and money paid, the loan balances remaining are higher than the loans original amounts. These will never get paid off ... these are predatory loans created with the intention of never being able to pay off with tons of fees. Well, my ex-husband and I divorced in XX/XX/XXXX, and he has stopped contact with me, my mom and with Navient. Now Navient is relentlessly calling my mom and me for payments. Is there anything I can do to help this situation? Anyone that I can speak to for advice? We should have been released as cosigners many years ago, and now that my ex-husband has abandoned payment, we are now being harrassed with Navient collection calls. Please provide me with direction and what my rights are! I have spreadsheets showing all payments, downloaded from Navient, showing these paid more than original loan amount, but the balance is still higher than the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions 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:
EXPERIAN continues to report this account and claims to have verified the account as accurate!! XXXX  deleted the account because it was found to be fraudulent ... XXXX  is reporting the account as current and paid in full yet EXPERIAN is reporting it as late and a charge off!! I demand complete validation of this account ... I demand the contract bearing my wet ink signature ... .I demand a complete transaction record in regards to this account!! 


XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia [ XXXX ] DATE OF BIRTH XX/XX/XXXX SSN : XXXX EXPERIAN XXXX. XXXX  XXXX XXXX, TEXAS XXXX RE : Investigation Request to Delete Incorrect Account Information and Unauthorized Inquiries Dear Sir or Madam : In accordance with the Fair Credit Reporting Act Section 611 ( U.S.C. & 1681 ) I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. Also any contract bearing my wet ink signature and verify the educational institution in which I supposedly attended! 
INCORRECT ACCOUNT INFROMATION, The accounts below are reporting incorrectly please investigate these : Account Numbers : US DEPT OF ED/XXXX # XXXX {$3300.00} US DEPT OF ED/XXXX # XXXX {$16000.00} US DEPT OF ED/XXXX # XXXX {$5100.00} Incorrect Credit Inquires : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX REMOVE INCORRECT PERSONAL INFORMATION AND UPDATE PERSONAL INFORMATION WITH CORRECT INFORMATION LISTED BELOW. 
[ Please remove all credit inquiries older than 10 days, I have not applied for credit with any 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 2023-03-31
Company: I.C. System, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I hired a credit repair service for what i thought was a lot of money ( XXXX to enroll then an additional monthly fee ). But i needed my credit fixed. A few months later i checked my credit and nothing had happened. I cancelled the service and they continued to harrass me saying that i owed them money but no work had been done on my file. Now i have a collection on my report for XXXX? There is no way i owe this. As no work was done on my file. I've tried disputing this with the credit bureaus but haven't had success. Please help me in getting this collection off my credit 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 2023-05-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a checking account with Wells Fargo and they continuously let my account go negative so they can charge me numerous fees. I called because I wanted my account to be set up where it doesnt allow my account to go negative or overdraft and the representative stated there was no way to stop charged coming through account. They wouldnt help refund fees and I couldnt pay the full amount so they closed my account. This was back in the year 2021 when I had my checking account and it was closed due to the overdraft fees.

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 2018-12-14
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My escrowed closed on or about XX/XX/2018. The lender and escrow company had misleading and deceptive business practices. I am requesting assistance to recover the excessive costs and fees that paid. I feel that I was discriminated against because of gender and color I paid to many high fees that I feel I would not have been charged if I was not a woman of color.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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:
I requested to update the inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update/correct the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The credit agency has noted that my credit score is lower than it could be simply because I refuse to take on additional debt in the form or credit cards or loan debt. That is completely counter intuitive and absurd. Penalized for having too little debt and to few credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
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: Information belongs to someone else

Complaint:
Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX about the unauthorized account that appears on my credit report I request the following account to be delete and removed off my Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX '' Open Date XX/XX/XXXX Amount {$260.00} Account XXXX .Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my Equifax credit report due to my identity been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
The whole series of events transpired when we signed up to training with a company ( XXXX XXXX ) who subsequently been taken over by FTC for in appropriate operation of the business and we were mislead by XXXX when we signed up and made the necessary payments in to thinking we could get what was promised to use, which was a business model that was taught, mentored and created for us providing we paid for it. 

Unfortunately XXXX had lawsuit filed against it by the FTC and was taken over and shut down of all its assets and operations ( Please visit website following this link ) - XXXX XXXX XXXX We paid the following amount for each course : Home Business Summit ( XXXX XX/XX/XXXX XXXX {$490.00} By Debit Card XXXX XX/XX/XXXX ( By International Bank Transfer ) TIT/PLA Combo -  {$26000.00} The Home Business Summit XXXX - {$490.00} Inner Circle - Diamond Annual XXXX {$2300.00} Diamond Mastermind - {$30000.00} Sub Total - {$59000.00} XXXX XX/XX/XXXX ( By International Bank Transfer ) Accelerator Mentorship - {$24000.00} XXXX XX/XX/XXXX ( By International Bank Transfer ) Outstanding amount : Accelerator Mentorship 1 {$480.00} Total {$85000.00} We have asked FTC to ask XXXX XXXX to reimburse us and we have not had a response from any party involved with or associated with FTC or XXXX XXXX Our bank where we conducted the payment of funds via card and bank transfers say that they are not responsible with this there for can not accept out claim or follow it through. 

Our Contact details are : Mr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : 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 2021-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hello I called them to inform them that there are multiple inquiries that I do or recognize and they refuse to remove them without a police report and a complaint through you all.

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 2019-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Disputed inaccurate information on my credit XX/XX/2019. Names, address, phone numbers and date of birth is inaccurate. Accounts : All accounts are inaccurate, unverifiable.

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