BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
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: Their investigation did not fix an error on your report

Complaint:
This is my formal communication in an effort to get this inaccurate and invalid account from my credit report. I have sent several dispute requests to XXXX  and Transunion to investigate the XXXX XXXX account, which is reporting inaccurately on my credit report because I have NEVER done any business with XXXX XXXX & they are reporting this account as if they are the original creditor when they are NOT. 

I sent a communication to XXXX XXXX XXXX XXXX, requesting validation of this debt and they sent me a communication stating they were a 3rd Party Debt collector, collecting on behalf of Purchasing Power. However, if you take a look at my credit report ( see attached ) XXXX XXXX is reporting on my credit report as an " original creditor '' who has charged off an account in my name and transferred it. 

I have attached a copy of how this account is reporting to my Transunion and XXXX  report, and if Transunion and XXXX  were conducting a proper investigation they could easily determine that this account shouldn't be reporting as an " original creditor '' to who I owe a debt to. 

Also, if you take a further look, XXXX XXXX XXXX XXXX is reporting a payment status of charged-off on Transunion, but as " Late 120 Days '' on XXXX. Additionally, XXXX  is double reporting this same account as a " charge off '' and as a " collection '', which is a clear violation of the FCRA. It's clear that XXXX XXXX XXXX XXXX is conducting deceitful and unfair practices in an attempt to coerce me into paying a debt, I HAVE NEVER OWED TO THEM and haven't validated that I have even opened up this account with them. 

I've exhausted my attempts to correct the inaccurate and invalid account with the credit bureaus and they have refused to do so. My next step is to contact my attorney general followed by a civil lawsuit against all 3 companies.

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 2020-10-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The preconstruction and/or construction contract details the amount and costs of the mortgage that is to be financed. Placing the responsibility on XXXX XXXX ultimately causes concern and question regarding why Wells Fargo financed a mortgage for {$12000.00} greater than the amount of the builder 's contract with no evidence that why when this mortgage was closed with Wells Fargo, the check being issued at closing was only {$1200.00} as opposed to {$12000.00} ; citing initial discriminatory misconduct by Wells Fargo and an alleged foreclosure after the structure was paid without documents of an auctioneer name or contract, title search, etc. to seek documents from causes further concern for reporting discriminatory misconduct by Wells Fargo Bank, N. A. ( WFHM ). All correspondence from Wells Fargo Bank, N.A. ( WFHM ) shall only address the name of  the owner of the property, XXXX XXXX XXXX because legal recourse in Federal Court shows action was taken against all other parties. Therefore, this complaint only addresses the concerns of XXXX XXXX XXXX as the owner and paying source for this property.

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 2018-07-27
Company: EQUIFAX, INC.
State: WA
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:
Equifax is stating that they have verified a collection on my report with XXXX XXXX XXXX DBA XXXX   but they haven't actually provided the information needed to verify it. I am not aware of this specific collection and they refuse to get original invoices from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Lobel financial all of a sudden took away the option to pay by phone or online. I've only made online payments, and I've only been early, I've never been late. They can not give me one reason why they are doing this. Lobel financial is demanding unreasonable ways to make payments with no explanation. This is not fair to the consumer ( s ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been employed as an XXXX  for a state/local government agency since XXXX of XXXX, and have been in an income-based repayment ( IBR ) plan since that time in an effort to secure Public Service Loan Forgivenes ( PSLF ). My loans are currently serviced through FedLoan and have been since approximately XXXX. 

In XXXX I filed an employment certification form pursuant to that plan, and on XX/XX/XXXX I received the response for a beginning certification date of XX/XX/XXXX through XX/XX/XXXX. I was deemed to have made seven ( 7 ) qualifying payments during that time. On XX/XX/XXXX, I called the servicer and according to my notes taken at the time of the call, I was informed that my payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all counted. I was told that the payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all came through the system as late. She told me that she would be able to likely fix some of those payments. This was apparently done as my estimated eligibility changed from the XX/XX/XXXX to XX/XX/XXXX after subsequent employment certifications. 

In XXXX of XXXX, FedLoan created a PSLF payment tracking system. On it, for the first time, I became aware that my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments were deemed eligible, stating that " Payment is Pending Manual. '' It has been nine years since these payments were made. If these three payments are deemed eligible, I will be eligible for forgiveness in XXXX of XXXX, rather than XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: FL
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 been back and forth like a ping pong ball regarding this current issue with XXXX reporting on my credit report.Ive already filed complaint with attorney general as well. I recently made a complaint with you guys that this account falls within the guidelines for the settlement with XXXX. I have a copy of the letter from XXXX in regards to my complaint against their agency. In letter Im attaching filer other complaint # XXXX their admitting that they have no information on this account. What is more scary is that Experian has constantly verified this account? Which means no thoro investigation has Ever been done by bureau Ive included copies of Experian verifying this account, despite the original company have no information or knowledge of account. Please assist me and look into this concern. Ive also noticed that your aware based on a lawsuit you have against XXXX of their faulty reporting please help me

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I noticed the following issues with these accounts on my credit report : Account Name : XXXX XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Can you delete this ASAP and send me and update. 
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks. 
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 2018-07-27
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had sent money through XXXX XXXX  and was scammed by my party not showing up and getting to me like said. I have not received any form of product through these services. I got a letter that the bank was in my favor then i get a letter saying they are taking the money back which will overdraft my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 noticed 3 hard inquires on my credit report. 
1 ) XXXX  XXXX. I thought I was doing a calculation. ( XXXX ) 2 ) XXXX XXXX ( XXXX XXXX ) I dont know who or what this is. 
3 ) XXXX XXXX ( XXXX XXXX ) same as above

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 2020-07-06
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been attempting to validate suspicious activity on my credit report. In the process of doing this, I submitted XXXX request for debt validation XX/XX/XXXX & XX/XX/XXXX to Enhanced Recovery LLC for a collection from " XXXX '' the amount of {$780.00} and requested they only contact me by mail. The only response provided from the debt buyer were invoices dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have been unable to provide me with the original contract, account history, and other documents requested. This company, which I hold no contract with, nor have recovered services from, reported a collection account against my SSN with XXXX, XXXX, and XXXX credit reporting agencies. They have failed to provide me with adequate proof and I am not obligated to pay for this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I noticed a fraudulent account on my credit report. This account is fraudulent and hindering my ability to obtain credit. Please remove this account immediately.

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 2017-12-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I called the national credit report request number to obtain my free credit reports for this year because I am suspicious of fraudulent activity. I requested for all 3 reports and it has been almost 2 months since then and I still havent received them. Im concerned someone is using my information and just need to check my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX/ XXXX due to identity theft debt do not belong to me

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 2021-08-07
Company: Tribal Lending Enterprise, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I was short cash due to recently moving, and I had no money. My credit was taking a hit due to all the expenses I was taking, I could not get a conventional loan. I asked for a {$1500.00} loan to tide me over. Unfortunately, to my error, I did not read the contract involved, and I was glad to have money. I didn't realize that their interest rates were over 300 %. My account was credited for {$1500.00} on XX/XX/XXXX. 
For a {$1500.00} loan, they were expecting me to pay less than {$5000.00} by the end of XXXX. For {$1500.00} borrowed, these scumbags took three amounts of {$270.00} on XXXX, XX/XX/XXXX, and XXXX, making a total of {$830.00}, 55 % of the amount borrowed paid back to them within six weeks of the deposit. They want roughly {$4000.00} more back by XXXX for {$1500.00} wired to me in XXXX. As a result of these payments to these pieces of CRIMINAL SUBHUMAN XXXX, my XXXX rent for my apartment is not yet paid in full, and I worked very hard to get this apartment.. 
These terms are excessive and criminal, and I should not have to be financially crippled over a {$1500.00} loan, with 55 % of the amount borrowed taken out of my account within six weeks. I tried to renegotiate the terms, but they said that all terms were non negotiable Because rent is late and I do not want a repeat of this, and I closed my bank account to get a new one. XXXX XXXX is a piece of criminal subhuman trash that hides behind an XXXX XXXX  to hurt people. Given that half of the amount borrowed was paid back, I want to renegotiate the terms of my remaining balance...

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 2021-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I filed a claim with Bank of America totaling the amount of XXXX $ My claim was open and denied in 3 hours stating there was no failed pin attempts and no unusual spending activity, there was over 20 transactions and not a proper investigation was done in 3 hours. After being denied. I filed for a reconsideration 4 times. And all still have been denied. During the time these transactions took place. I was on the phone with customer service explaining I never got my card in the mail. They told me a new one would be sent. XX/XX/XXXX. I was physically in a branch trying to get a new card. My Id was verified with a passport and two letters of mail and I was told I was unable to get a card or withdraw funds or get balance information without my card coming in the mail. XX/XX/XXXX I got a card in the mail and attempted to activate just to be told there was already a card on file in use. At that point is when I found out my account was emptied. Bank of America states no failed pin attempts and no unusual spending activities happen on the account. Even tho they did not cross reference to see the card was never received by me so I was unable to set up a pin. I have called over 200 times. Filed hardships. Just for them to reconsider my claim and wait until the last day to deny it. Over and over no new information is giving to be. And my money had not been returned.

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 2018-04-04
Company: CITIBANK, N.A.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Left message they were taking me to court in XXXX XXXX. Called back, no one answered and left message. Called back, again and no one answered. A few minutes later XXXX XXXX called me back. Said she was with XXXX XXXX XXXX XXXX and she wanted me to confirm the last 4 of my SSN and that she was submitting documents to the court today to garnish my wages. I asked if this was for a XXXX account. I paid this debt with a debt collector over a year ago. This debt was fromXX/XX/2003. I started to tell her my story of how I paid this debt but I keep getting calls about this and she started talking, too, asking me to confirm my social. And then she said I was rudely talking over her and she would see me in court and hung up on me. I called back and left a message saying I did want to talk about this and I was not trying to bed rude. I tried her again, she didnt answer and I tried her answer and she answered. I asked her nicely if I could please have the fax number to send the letter stating I paid this debt. She said as she was trying to advise me earlier before I rudely interrupted her.. and she gave me the fax number. I asked to speak to her supervisor. I have never been spoken to like that. She said she was the supervisor. I asked if there was anyone above her and she said no so I asked if she pawned premeir holdings? She said that supervisors and owners are two different things and hung up on me again.

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 2021-04-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the Equifax data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2015 XXXX XXXX wrongfully placed a delinquent account for {$270.00} on my credit report despite being informed that amount was not accumulated by me. I have disputed this via the credit bureaus. The item was removed at some point, sold to a collections agency and recently reinserted. Due to this my credit score has suffered a dramatic drop twice. Under the Fair Debt Collection Practices Act ( FDCPA ), there are certain guidelines and rules that apply to reinserting removed delinquencies. This account has not been verified nor have I received a letter informing me of its reinsertion. I am currently disputing it again.

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 2020-05-16
Company: EQUIFAX, 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:
My complaint is about XXXX XXXX, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my Equifax on XX/XX/2019. Please remove immediately. XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company response to consumer: Closed with explanation