BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-15
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: Information belongs to someone else

Complaint:
experian keeps adding a fraud alert and my banks can not get in I told Experian to quit doing it

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 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2018, I authorized XXXX XXXX XXXX to sent my credit application to XXXX only. There was a miscommunication with the sales office and finance department and my credit was obtain by lenders ( XXXX XXXX XXXX, XXXX XXXX, XXXX, etc. ) that was not authorized. The Finance Manager sent an email to correct the error on their part but the credit bureau indicated inquires can't be disputed resoluting in a decrease with all three credit scores of mine.

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 2019-04-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had a charged off account ( personal loan ) with XXXX  XXXX, I settled it in full with the collection agency XX/XX/2019. Every since then each month they are still inaccurately reporting this account to the credit bureaus. I first attempted to dispute with the credit bureaus and sent a paid letter from XXXX XXXX, the collection agency XXXX XXXX sent me to, but the credit bureau would not accept because the collection agency is not the company reporting it. I called XXXX XXXX and spoke with XXXX XXXX and explained they were not accurately reporting the account as paid and I need something from them, so he sent me a paid in full letter from them directly. I sent it to my mortgage company and they submitted it to the credit bureaus on my behalf to have updated correctly, at that time the bureaus did update it. Now today XX/XX/2019 XXXX XXXX XXXX has once again reported this account to the credit bureaus as a negative, unpaid account with a balance e owed. Why are the continuously reporting a closed paid account every month?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I had a charged off account ( personal loan ) with XXXX XXXX, I settled it in full with the collection agency XX/XX/2019. Every since then each month they are still inaccurately reporting this account to the credit bureaus. I first attempted to dispute with the credit bureaus and sent a paid letter from XXXX XXXX, the collection agency XXXX XXXX sent me to, but the credit bureau would not accept because the collection agency is not the company reporting it. I called XXXX XXXX and spoke with XXXX XXXX and explained they were not accurately reporting the account as paid and I need something from them, so he sent me a paid in full letter from them directly. I sent it to my mortgage company and they submitted it to the credit bureaus on my behalf to have updated correctly, at that time the bureaus did update it. Now today XXXX XXXX XXXX bank has once again reported this account to the credit bureaus as a negative, unpaid account with a balance e owed. Why are the continuously reporting a closed paid account every month?

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 2019-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One Bank sold the Account to XXXX XXXX XXXX, XXXX. Postal Money Order # XXXX given for XXXX and Satisfaction of Account Ending # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Braviant Holdings, LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
This is what I wrote on " XXXX '' onXX/XX/XXXX : What a SCAM! You never speak to anyone who speaks CLEAR ENGLISH ( and this is just for " starters '' )! 

TWICE this week I applied ; only to find out that BOTH applications were " declined, closed or withdrawn ''. WHY?! I only applied for {$300.00} for XXXX XXXX XXXX! We really needed this money, too! Oh, well! This must be a sign from Above. 

Just this morning, I was asked to call AGAIN to verify MORE information. This time, it was my BANKING information. We had to make a three-way call to our financial institution. I thought, " Ok. They're just verifying the account numbers and such. '' WRONG! The XXXX woman had the gall ; WITH a credit union representative at the other end, to ask for our CURRENT BALANCE! Excuse me?! That is NO ONE 'S business ... PERIOD! 

I don't care how badly we needed this money. It's blatantly obvious that " XXXX XXXX '' does NOT have the best interest of its customers/potential customers in mind. 

Moving along ... 

Reason of review : Poor customer service.

Monetary Loss : {$300.00}.

Preferred solution : Let the company propose a solution.

I didn't like : Shady practices, Csrs that do not listen and XXXX people around by being repetitive, Non-english speaking csrs, Csr gross incompetence, Csr questioning current available balance in checking. 

After WRITING THEM DIRECTLY about NEVER communicating with me EVER again, I got another OFFER LETTER IN THE MAIL TODAY (XX/XX/XXXX). The offer letter is datedXX/XX/XXXX, the same date as the first letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: CARD Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had XXXX stolen from my card and my card provider card.com refuses to return my money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo wants you to believe, these unauthorized accounts are a matter of small dollar, random transfers of 10,15, 20 or so dollars between authorized and unauthorized accounts. This is grossly inaccurate. In our case, Wells Fargo opened a plethora of unauthorized checking, savings and credit cards accounts in the name of me, my husband and our businesses. Like peeling back an onion, it has taken an extraordinary amount of time and resources to discover these fraudulent accounts because Wells Fargo refused to provide a copy of the documents associated with these accounts. Wells Fargo, the organization, while simultaneously covering up their own liabilities continue aiding and embedding the parties involved in the perpetration these crimes.

And, its not just the missing money additionally, every dollar moved, transferred, wired, withdrawn ( et.al ) has taxable liabilities associated with these transactions by and through these fraudulent accounts. Making matters worse, Wells Fargo is continuing the victimization of their customers by withholding documents related to unauthorized accounts, precluding Wells Fargo victims from gaining access to the information needed in order for the victims to understand the totality of their liabilities and damages suffered. In my case, Wells Fargo told me these documents were deleted and/or purged from the system ..keep in mind, these are not old accounts. 

In addition to withholding documents from their victims, Wells Fargo has failed to comply with the stipulated agreement between Wells Fargo and their victims, to make Wells Fargo 's customers whole as a result of Wells Fargo 's fraudulent acts. Wells Fargo is being grossly untruthful with the Senate Committee, as evidenced in XXXX 2017 Wells Fargo Senate Committee meeting. The public is also misinformed. Wells Fargos victims are misinformed. 

The victimization will continue in perpetuity without further intervention from our legislative leaders. Wells Fargo is misrepresenting the depth and breadth of there deceptive practices, the number of victims who have suffered, the totality the losses suffered by the victims of Wells Fargo. Wells Fargo is continuing to withhold documents in order for the victims of Wells Fargo, such as me and my family, can determine the totality of our losses and damages and liabilities. Our family and our businesses have been devastated as a direct result of Wells Fargo 's fraudulent acts in direct connection with the systematic siphoning of money our family, our not-for-profit and related businesses.Millions of dollars are missing as a direct result. Tax levies are looming Wells Fargo is not making it right as promised. Wells Fargo is making it worse.

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 2019-04-15
Company: WELLS FARGO & COMPANY
State: NJ
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:
This account is reporting incorrectly. I never payed late and this is reflecting multiple late payments. It is actually reporting a lot of inaccurate information which i have circled on a copy of my 3 reports which i have attached to this complaint. Please remove the late payments this is hurting my ability to obtain credit, and report them as paid on time. If you want to remove all reporting of this account do so.

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 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Reviewed recent credit report and see that on : XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX made an unauthorized inquiry. I did not apply through this company. I have called and sent this company a letter but did not receive a response over 45 days ago.

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 2019-04-15
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has been attempting to collect a medical debt from me. The debt is listed as XXXX XXXX XXXX on my XXXX XXXX credit report. I have supplied PSC with digital images of the court documents clearly showing that my ex spouse is responsible for this debt to no avail. This debt should not be on my credit report and I want it removed.

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 2019-04-15
Company: AES/PHEAA
State: HI
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:
Submitted earlier complaint with CFPB, which closed despite improper resolution. See attached documents in reference to complaint. 
Sent fourth letter to XXXX XXXX  department following up with complaint, they haven't responded for a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: The Bureaus, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This is a reopen for case # XXXX. 

My initial complaint said : YOUR COMPLAINT XXXX XXXX hired The Bureaus Inc, to collection on a debt that I allegedly owe for {$1100.00}. At this time the Bureaus, Inc and I have been unable to come up with an agreement on the account. Respectfully, the Bureaus, Inc has hired XXXX XXXX XXXX XXXX to collect the amount allegedly owed. 1- On XXXX/XXXX/XXXX, I have offered to settle this account with XXXX XXXX XXXX for $ XXXX XXXX XXXX XXXX declined to accept my offer 2- XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and XXXX XXXX @ ext XXXX 3- Today, XXXX XXXX XXXX has done the ultimate collection practices with borderlines extortion, harassment and intimidation 4- XXXX XXXX XXXX, advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 5- I advised XXXX XXXX XXXX that I would settle the account for {$500.00} and that the only way I feel comfortable with any transactions is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 6- the Manager of XXXX XXXX then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}. I wish for XXXX XXXX to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of XXXX to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX. 

XXXX XXXX XXXX failed to answer the complaint but responded as : Company responded on XXXX/XXXX/XXXX Response Type Closed with explanation Company 's Response Dear XXXX XXXX : I am in receipt of your correspondence to XXXX XXXX XXXX XXXX XXXX concerning the XXXX  XXXX XXXX account that was placed with us for collection. We are more than willing to work with you to resolve this matter. We have been given approval to settle this account for {$630.00}, payable in a lump sum or with a structured repayment plan. If you agree to the terms, we can certainly provide you an agreement and you can mail in your payment ( s ) using your personal bill payment from your financial institution. If you have any additional questions or concerns you can certainly reach out to us directly and we can assist you. You can reach me directly at XXXX EXT XXXX. Thank you for the opportunity to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Commonwealth Financial Systems, 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:
There is a charge or a card on my credit report that I just noticed for {$760.00} from Commonwealth Finance. I have never done business with them and have no clue who these people are. I own no such card or loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My complaint is about the time it is taking to process my IDR, not getting any replies back as promised, given misinformation, and customer service representative acting as a barrier to getting my problems resolved. I submitted my IDR application on XX/XX/2018, and didn't know to check the {$5.00} hardship payment box. On XX/XX/2018, I received an email advising me that my application had been placed on hold, and that no action was needed from me. After waiting a few weeks for this to resolve, which never happened, I called XXXX XXXX for an explanation. At which time I was told that I had not selected the box to pay the {$5.00} interim payment required for the application to be processed. I have spoken to several representatives with different theories on why my application was placed on hold and not processed accordingly. One rep told me to wait for the {$5.00} billing, and once that was paid, it would trigger processing, and in the meantime placed me on a forbearance. Another rep told me that, one forbearance was in place when another one was processed, and that was the reason for the delay. Once one forbearance drops, the application would be processed correctly. I started receiving a notice to pay, and late notices, which prompted me to call again. This time though, the rep starting telling me that I had to pay the amount billed until I insisted he looked at the notes further. He could not give me an answer for why it has taken so long to process my IDR, at which time I requested to speak to a manager. He told me there was not a manager. I then requested for him to write me a letter stating all that I have been through, to which the answer was no. I demanded to speak to a supervisor and was told there was not any managers or supervisors, but he could transfer me to someone else who was just going to tell me the same thing. And, surely enough he did, only this time I've met with the representative, XXXX XXXX who has not come through on promises, appears to be non chalant about the urgency and possible adverse credit reporting, when asked to speak to a manager again, I was told that there was not a manager available. I am highly concerned about whats going on at XXXX. There doesn't seem to be any concern for the borrower 's frustration, and no incentive to go above and beyond to help borrowers with problems. As a matter of fact, the representative I've encountered encouraged me to make a complaint if I didn't like it. Dismayed and frustrated concerned about my credit, I am highly recommending that someone look into the practices of XXXX XXXX. And to add to matters, I just received a text today, stating that my payment is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On my credit report, the collection agency has reported twice for the same original creditor which is XXXX XXXX XXXX XXXX but for two separate amounts. One for {$580.00} and another for {$1500.00}. I do believe this creditor is trying to get additional monies because one is {$1000.00} more with the exact amount in the hundreds. I also have not received anything from them stating this debt. Just something on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened this auto loan with Santander consumer USA XX/XX/XXXX who has been reporting my payment unfairly incorrectly as late and past due and I have made my payments with XXXX XXXX who they recommended me to do since I didnt have a bank account at the time. 
I have never had made no late payments ever since I been with them but they seem to report incorrect information to all three credit bureaus in XX/XX/XXXX said I was 30 days late XX/XX/XXXX and XX/XX/XXXX 30 and 60 days late in XX/XX/XXXX they said I was 30 days late then again in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I was 30 60 90 days late. YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: NV
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 this debt with experian multiple times and asked them to properly investigate this debt from XXXX XXXX for {$3400.00} that is on my credit report. I sent a written letter to XXXX XXXX requesting proof of this debt that it was opened by me as it was not. XXXX XXXX failed to do so, and experian has failed to investigate this debt properly under FCRA section 611. It is illegal for experian to continue reporting a false debt on my report. XXXX XXXX has never shown the copy of the government ID that was used to open this debt. If XXXX XXXX has no proof of who opened this debt, how is experian saying it is valid? They are just asking XXXX if it is valid and accepting a yes as validation. I will be forced to take legal action with experian if they do not properly investigate and remove this from my credit report as this is not debt and was never opened by me. This has caused problems in my life for me and my family and experian should not be allowed to report credit when they do not follow the law and investigate debts on peoples account properly. Experian is only helping these corporations with putting false debt on peoples account and ruining there lives. Please ask experian to show the proof that they got for this debt as they have never provided it to me as there is no proof because i did not open this debt.

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