BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020, I sent via certified mail ( which was received and signed for on XX/XX/2020 ) to dispute the accuracy, compliance and reportability of the listing of a public record appearing on my report " US BKPT CT PA XXXX. '' I formally requested that Experian provide me with any and all documents bearing my signature as proof that this record belongs to me, and also in a subsequent letter sent on XX/XX/2020, I requested proof of their method of verification and all related documents. To date, they have replied to all letters stating that they verified with the data furnisher that this information is accurate, claiming that they " verified '' this information via XXXX XXXX ; however, they have NOT indicated on my credit report that this specific item is being disputed by me ( which is a direct violation of FCRA ), nor have they furnished any documents from their supposed reporting source, XXXX XXXX, which I am entitled to by law, as proof that they have " verified '' this supposed public record. 

My complaint here is about direct violations of FCRA on the part of experian for not accurately reporting within 30 days of the receipt of my initial letter on XX/XX/XXXX, that I am disputing this item. In addition my complaint is about a direct violation under FCRA on behalf of Experian for not furnishing me with the proof which I am entitled to, as proof that XXXX XXXX has indeed " verified '' this record.

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 2019-04-03
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was a Collection from Midland Funding on my credit report. The collection was Paid in Full on XX/XX/19. I disputed the debt on my credit report. Midland Funding stated they received the debt paid in full on XX/XX/2019. However on XX/XX/19 Midland Funding reported the debt as still owed and not paid off. If this debt was disputed on my credit report Midland Funding should have reported this debt as paid after XX/XX/XXXX. Instead this debt remains on my credit and should have been reported to my credit for the investigation on XX/XX/XXXX as paid in full. My credit score continues to drop and shows as a Negative/Derogatory Remark when this is not accurate updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Synchrony Bank ie : carecredit was notified of fraud and identity theft when i discovered the account on my credit report. I have never heard of carecredit or three other credit lines that were opened in my name as a result of the XXXX  data breach where my personal information was leaked onto the dark web and used to open several lines of credit I was unaware of for over 3 years as I rarely open credit accounts or check my credit. i have no need to. the first i heard of this company was when i went to get a phone upgrade and i was denied! denied? I had a XXXX credit score!!! I immediately pulled my credit report, saw a whole bunch of credit lines opened in my name i never heard of! I filed the fraud report online, notified all the credit companies and all but one were very responsive in immediately  closing accounts and helping me by sending letters to the credit bureau and me that cleared me of all the debt. All except this company - which sent me 2 weird letters dated the same day - one that claimed they investigated my identity theft claim and decided I somehow gained some kind of benefit, and the second a form letter indicating they have not yet investigated and listing the account balance as fraud but refusing to provide a list of these so-called " benefits '' i had gained. They refused to provide any merchant drafts, contracts or signed authorizations with my identity verified! So how did I somehow magically benefit from this so-called " fraud balance ''? I called them and now they claim I owe them in full! Now - here is the truth : on all three credit bureaus, this company is reporting different dates, different amounts and different late pay statuses! how is this even possible. I've demanded they provide all information linked to this account and metro2 compliance as well as perfect proof they have any commercial claim or that I entered into any commercial relationship with this company for I have not. but they've so far have refused to produce any provable or legal documentation linked to the account. Beware of this carecredit company and XXXX   XXXX. apparently they will open accounts without any form of verification and then proceed to report all kinds of unverifiable data - defaming your character.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Ive been charged so many overdraft fees when I XXXX  money

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 2019-04-03
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Someone opened accounts in my name I was unaware of and also tryed to that I was unaware of XXXX in the amount of XXXX Inquiries : XX/XX/19 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 2019-04-03
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have applied for TEPSLF through XXXX  XXXX  because I have made over 120 payments in total on the standard, graduated and income based repayment plans. Each time, I obtain a response from the TEPSLF program regarding the number of qualifying payments the number of payments fluctuate and are inconsistent. I have been unable to obtain detailed information regarding which payments are deemed non-qualifying and why to attempt to rebut the in accurate findings. 

I have certified my XXXX XXXX employment beginning XX/XX/XXXX through XX/XX/XXXX. During this time period, I requested a forbearance from XXXX. Aside from this time period, I have made 123 payments, only 1 of which was late. 

I received a qualifying payment count of 116 on XX/XX/XXXX and then on XX/XX/XXXX the count somehow decreased. There have been other fluctuating payment counts that defy logic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
My complaint is : I disputed a public record ( bankruptcy ) showing on my report dated XX/XX/2015 The results of the reinvestigation stated " This section includes public record items XXXX obtained from local, state and federal courts through a third party vendor, XXXX. '' I don't see the accuracy in their investigation when I also disputed this company and the item in question was removed from this company due to inaccuracy of the item. I have documentation showing the Removal of this item. 

I also have a letter from XXXX stating that they sent a dispute on my behalf to all three bureaus about the public record with no response from either of them. 

Also I would like to make a complaint about the same item, bankruptcy dated XX/XX/2015 with Transunion. I received an investigation from them stating their investigation procedures but no results. 

I would just like to be treated fairly and have matters executed as such. The item is an inaccurate item and I would like to have it removed from any report pertaining to my person

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 2018-07-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with WELLS FARGO DEALER SVC. 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, XXXX and WELLS FARGO DEALER SVC with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late 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 2017-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed the following with all three CRA 's with a dispute reason of " contract cancelled '' notating " no contract '' from XXXX2017 forward. The accounts were never verified or validated by the CRA 's and no additional information was provided. 

The contracts were cancelled with the creditor and I did not sign any contract with the collection agency that they sold the account to making my liability with the collection agency null and void. 

XXXX- {$310.00} XXXX XXXX- {$310.00} XXXXXXXX XXXX XXXX - {$870.00} XXXX XXXX XXXX- {$60.00}

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 2023-01-23
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Basically I call Toyota to ask them if I am qualify for move 2 upcoming payment to the end of the loan because I am going to vacation in XXXX, the representative that I spoke to said that I am qualified for that term to move my payment to the end so I agree to do that but somehow its wasnt done properly I show late payment so as soon I returned from my vacation I am trying to fixed the problem by calling Toyota and see what when wrong so Toyota found the receord call and will be able to move my 2 payment to the end of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have two account that I do not recall doing any business with that are showing on my credit report.XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX. This is not the first time I have had this issue. Please forward me a copy of a contract or some paperwork with my written signature on it! Once again request that the credit bureau collect and forward the formal validation within the next 30 days of receipt of this request. Please included any supplemental materials which verify that the account is factual. I would like to see a little more than a summary one-sheet. Instead, I have demanded a substantive validation according to the FCRA. If the credit bureaus cant find it in a reasonable period, any data disseminated from credit reporting agencies must be considered counterfactual.

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 2020-02-07
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I first learned that someone named XXXX from Peter Roberts & Associates was trying to locate me when he left a voicemail for my mother on her cell phone attempting to find contact information for me. I had not received any calls on my phone or letters regarding a debt from this company. On XX/XX/19, I received a call from ( XXXX ) XXXX and the person only identified himself by his name. His last name was unintelligible. He refused to state what his business was or where he was calling from when I asked. He kept asking to confirm my address and when I asked again what it was in regards to he would not state his business or where he was calling from, so I hung up. I am only aware the company name because I looked up the phone number. If it is an attempt to collect a debt, he did not disclose that at all. I am not confirming any of my personal contact information to someone I do not know that only identifies themselves as XXXX. His communication tactics are deceptive and the fact that he contacted my mother before contacting me is inappropriate and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about XX/XX/18, I received a call from XXXX requesting payment for an outstanding bill for XXXX XXXX. He was calling from a collection agency called XXXX. I advised I was not aware of an amount that was owed. He stated the amount was {$XXXX}. 
On XX/XX/18 I sent a letter to XXXX to request that they send a bill and/or paperwork so that I can confirm any information and/or personal information. 
I did not receive a response. On XX/XX/18, I sent a letter to the credit bureau to request that this be taken off of my report. I received my report and found that this was not reported. 
On XX/XX/18, I received a bill from XXXX XXXX for XXXX XXXX. Now the amount is {$XXXX}. I am going to send a letter of validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
XXXX fraudulently tried to charge for service after phones had been ported-out to XXXX XX/XX/2016, attached will be a 9 page narrative detail, including FCC complaint, and XXXX acceptance of their error, however in the process they have falsely and maliciously filed 5 late payment claims to the lead credit reporting agencies. 

They refused my good faith payment via check, placing unacceptable hardship type demands to pay via forms untraceable such as money orders, and other off the books non traceable payments. These demands on me to pay by illicit means were not of a form that I could access from a Michigan based bank from out of state. 

In turn, after the initial letter, they did not communicate to me for six months, turning this over to a collections agency. I paid the bill as soon as I got the letter from the col-agency and the collection agency would take a credit card or bank check - those that XXXX was refusing to use as means of payment. 

I did not know of the damaging malicious actions XXXX were taking to my credit report until XX/XX/XXXX. I called them Tuesday XX/XX/XXXX about this, and they refused to retract and expunge this from my report. Their arrogant and condescending intonation on the phone when I spoke to the representative is completely unacceptable, the FCC needs to fine XXXX, the employee of record as it was a recorded line, needs to be fired, employees retrained. Their approach to customers is completely unacceptable. 

Furthermore they have told me and the FCC a twisted version that the debt was still due but they failed to communicate that to me until I received a letter from a collections agency. 

So again, it is XXXX that failed to communicate their willingness to accept a US Bank form of payment. The Collection agency managed that payment for them, however XXXX intentionally and maliciously has damaged my credit rating. XXXX initiated this entire event by illegally charging me for services not rendered. They have a special department dedicated to extracting payments for services not rendered, hoping consumers don't catch on, this is not an isolated practice, they need to be investigated by congress.

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 2018-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was stunned once I viewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Army and Air Force Exchange Service
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have a loan with 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, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/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 2019-04-03
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is connected to one already filed but closed by CFPB # XXXX. 
There was no option to respond to response of the opposite party. 
The Complaint was filed against XXXX XXXX XXXX XXXX XXXX  with Bayview Loan Servicing , LLC as an agent but to my surprise XXXX XXXX XXXX answered. XXXX claims that I have current account/loan number and they are entitled to answer to my complaint yet this is news to me because they were my servicer back in 2012 and I had 2 other servicers since then. Nowhere in my complaint, mortgage statements nor Complaint for Foreclosure exist the XXXX XXXX  XXXX name. The situation is very confusing since alleged current servicer and previous servicer can not answer to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
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: Information belongs to someone else

Complaint:
Company : XXXX XXXX : {$10000.00} XXXX : XX/XX/2015 Ive contacted this company multiple times and have expressed that this account was fraudulently opened in my name as I was across seas at the time. Ive submitted police reports on the matter and they are still reporting this fraudulent account to my credit file. It needs to be removed 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 non-monetary relief