BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-08
Company: TRANSWORLD SYSTEMS INC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I initially took out two loans from a XXXX XXXX through the website " XXXX '' in XXXX. During the recession, the bank closed down and I was unable to find the servicer to pay the debt. Then, 3-4 years ago I received letters out of the blue from a company called " XXXX '' indicating that my debt had ballooned over 200 %, and charging frankly usurious rates ( 11 % +, variable ). While I began paying knowing that I did indeed take out loans, I recently read about companies ( including specifically XXXX ) requesting payments for debts that they do not actually own. I have since requested actual documentation on the loan ( including the original Master Promissory Notes and records of debt transfer ) in order to refinance. They have repeatedly ignored my requests, and at this stage are no longer responding to my requests. I would like this documentation to prove that the debt is indeed mine, and that I am not paying some random company for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I HAVE BEEN SUBMITTING THE SAME HANDFUL OF CLAIMS TO MY BANK, Wells Fargo SINCE THE END OF XX/XX/XXXX, THERE ARE A FEW TRANSACTIONS BUT THE ONE THAT STICKS OUT THAT I ORIGINALLY CALLED FOR WAS FOR A BUNCH OF ATM WITHDRAWALS FROM MY SAVINGS ACCOUNT AT 3 GAS STATIONS OWNED BY THE SAME PEOPLE, THEY ARE ALL THE XXXX XXXX AND THEY WERE ALL ON XXXX XXXX XXXX. I DID N'T DO THIS, I DID N'T TELL ANYONE I KNOW TO DO IT, I DID N'T TELL ANYONE MY PIN. THERE WERE OTHER TRANSACTION IN MY CHECKING TOO. I WAS AT THE TIME IN PROTECTIVE CUSTODY BC I WAS IN AN UNSAFE POSITION AND I NEEDED TO BE PROTECTED. I HAVE XXXX, XXXX, XXXX AND XXXX. WHILE THIS WAS GOING ON I WAS LIKE I SAID GOING THROUGH SOME OF THE WORST TIMES IN MY LIFE. OVER THE NEXT FEW MONTHS IVE BEEN HUNG UP ON, THREATEN, BEEN LIED TO, BEEN GIVEN INCORRECT INFORMATION AS IT PERTAINS TO MY CLAIM, ON MULTIPLE ACCOUNTS, IVE BEEN TAUNTED, DISRESPECTED, TALKED DOWN TO, ACCUSED OF THINGS, ACCUSED OF LYING, YELLED AT, TALKED TO LIEK A CHILD, BEEN TRANSFER TO PEOPLE THAT WERE NOT WHO I WAS SUPPOSED OT BE OR EVEN NOT THE RIGHT DEPARTMENT, IVE HAD MORE ABUSE BY STRANGERS WHO ARE SUPPOSED TO HELP ME AT THIS BANK DEALING WITH THIS THAN I HAVE HAD IN MY WHOLE LIFE. IVE BEEN PROMISED SO MANY THINGS BY PEOPLE TRYING TO HELP AND NEVER ONCE HAS IT HAPPENED, I AM STILL OWED AT LEAST XXXX AND THEY KEEP DENING MY CLAIM BC I CAN NOT SAY FOR SURE THAT I DIDINT AUTHORIZE EVERY SINGLE TRANSACTIONS ROUND THAT ETIME BC ITS BEEN 4 MONTHS AND THEY WERE ALL DONE OVER THE WEEKEND.

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 2019-05-08
Company: LOBEL FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Unknown account. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I received a Notice of Garnishment on XX/XX/XXXX for XXXX for a judgment amount of {$1800.00}. I hired a lawyer to stop garnishment and received the money garnished back. My attorney then commenced a FDCPA case but XXXX sold my case to XXXX XXXX XXXX. My case was won for {$15000.00} in US District Court XXXX District of NY in XX/XX/XXXX. Experian is reporting false information of {$2100.00} written off. XXXX  and XXXX   does not have this entry listed on my credit report. I do not owe XXXX any money. Reporting false credit information is an FDCPA violation. Experian is violating me under FCRA.

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 2020-08-21
Company: Nelnet, 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 have a loan with US DEPT ED, XXXX XXXX, and USDOE/GLELSI. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, US DEPT ED, XXXX XXXX, and USDOE/GLELSI  with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello CFPB. I am writing in regards to follow up case # XXXX. I would like for Equifax to remove the {$230.00} collections from my credit file/report, as my original complaint requested because it does not belong to me. Also, It has been well over 40 days and Equifax still has not provided me with a status update of my complaint. I had reported that I had a fraud alert on my accountt due to identity theft and that the collections of {$230.00} is not mine ; and it's the only collections on my report. Also, CFPB reported to me, by email that Equifax could not verify the account because it is a third party ; which I had also stated in my original complaint and that I have never had any dealings or accounts with that third party. They should not have been able to collect my personal information on my credit file from Equifax because of a fraud alert that I have on my report and Equifax still allowed that third party to inquire my account. Therefore, in addition to the above statements, they also broke the guidelines of the fraud alert/security freeze. Again, I would like for Equifax to remove the collections of {$230.00} from my credit file/report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24
Company: Diversified Consultants, 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 information incorrect

Complaint:
I submitted a complaint to Diversified Consultants via the CFPB portal last year and received correspondence from them with Ref # XXXX stating that they would remove the collection from my credit report totaling {$2100.00} from XXXX. This collection keeps being deleted and reinserted on my credit report without my knowledge. In the letter, Diversified Consultants stated : " All collection efforts have ceased and XXXX XXXX will receive no further calls from DCI ''. I have attached that correspondence to this complaint once again. What DCI is doing is against the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried on multiple instances to settle both accounts, I have sent several settlement letters to PRO-COLLECT for a settlement of claims for both XXXX XXXX  and XXXX XXXX. I have failed to receive a timely correspondence to those settlement offers. 

I am not stating that this Debt is indeed 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 2018-05-24
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
Equifax tells me I have no credit file in their system. 

Since I am buying a new home, my mortgage lender pulled my credit from XXXX, XXXX just fine, but Equifax kept to fail. Then I contacted Equifax to ask this issue, they hang me up several times, and after keep calling for hours, one representative told me I do not exist in their system, which means my 5 credit cards ( XXXX, XXXX XXXX, XXXX ) have never report my credit to Equifax. This is totally impossible. 
Next, I contacted XXXX, XXXX XXXX, XXXX one by one, and every one confirmed to me they all report my credit to Equifax always and monthly. 
So, I contacted Equifax again. Equifax insists they never receive any credit file about me and insist my credit card banks are all wrong. I keep calling 4 representatives, and none of them want to help me solve the problem. One of representative said : " You can hang up and find someone else. '' Next, I try to do a dispute. However, Equifax only disputes for existing credit file. Since I don't have a credit file with them, they refuse to do dispute. 
Next, I try to fax Equifax my proof of identification and proof of credit card. Unfortunately, their fax machine keeps failing to receive the documents, the error is " transmission was interrupted ''. This is usually the receiving fax machine has a technical problem. 
Finally, I try to mail my concern and documents to Equifax. The mailing zip code that Equifax provided is not correct. USPS people kindly corrected the zip code based on the P.O. box number. 
I find people online saying they didn't hear back from Equifax mail for months. So I would like to submit this complaint to push Equifax to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
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: Old information reappears or never goes away

Complaint:
XX/XX/16 - XXXXXXXX XXXX XXXX XXXX Hard inquiry that is still affecting my credit score XX/XX/16 - XXXX/XXXX Hard inquiry that is still affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: EQUIFAX, INC.
State: PA
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 recently checked my credit report and to my surprise i saw many fraudulent medical collection accounts listed on my credit report. I also have been recieving calls from debt collectors about  accounts that are not mine and i recieved notifications that ALL of my personal information has been exposed in several mass data breaches in the past ad current. This is extremely devastating and i request that all of the fraudulent information be removed immediately. My request is in line with the Fair Credit Reporting Act Section 605B and i have the power to exercise my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have asked SLS to verify debt they failed multiple times. They have been unprofessional and rude over the phone sending piles of letters to both my parents who are not on the property title. Threatening to foreclosure on my property they have filed a lien with the county against my property. My first mortgage and the owner of my mortgage XXXX XXXX said they are a scam and not to pay them. I only have one mortgage and is with XXXX XXXX XXXX I am current. I dont know what this mortgage company SLS is talking about. They claim is a second mortgage HEloc. Last I knew about this was back in 2012 when XXXX formally known as XXXX charge off this debt later I asked them to send me the XXXX which they did. So why is SLS trying to collect a charge off debt? And why are they sending me statements with different amounts owed? Please help SLS said they have started the pre-foreclosure process. I contacted my current servicer and mortagage owner ( XXXX XXXX ) but they said they are un aware of the foreclosure cause SLS has not notified either of them. Doesnt the first mortgage have a right to know this is happening?

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 2019-05-22
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX Account was never past due, I never made a late payment to this company ever please change this, i have a good relationship with these 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 2019-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was issued a credit card that had a rewards program in which the points where to be used towards the purchase of a vehicle from XXXX. I did not know this until the first use, so after discussing the matter over the phone that I was not interested in buying a car but just getting cash back. Then they exchange that card for one with cash back and even though I have at the present time {$52.00} on the rewards program, they claim that I am starting a new account and do not qualify for cash back. On the other card I had {$260.00} It is my opinion, that this is a typical " Bait and Switch operation ''. This card is called the " extended family card '' from Capital One and the least amount you need is XXXX dollars to qualify for cash back. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-22
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX  XXXX, XXXX XXXX XXXX and 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 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In the state of Missouri one has the right to bring civil action against anyone including a consumer reporting agency who knowingly fails to correct inaccurate file data, and this is the case here. I have on many occasions requested physical certified documentation of the following disputed accounts inwhich you are reporting but never recieved any thing. I also requested the Method of Verification inwhich I asked for all the investigators information inwhich derived to stating that these accounts been verified. What is this persons name and title, and on what date did this take place?, what hour and what was the Method of communication. If all this can not be provided to me then as written within the laws of the FCRA these accounts shall be removed immediately. The following accounts are : [ 1 ]  XXXX XXXX [ 2 ] XXXX XXXX XXXX  [ 3 ] XXXX XXXX [ 4 ] XXXX/ XXXX XXXX [ 5 ] XXXX XXXX {$2300.00} [ 6 ] XXXX XXXX XXXX XXXX {$790.00} [ 7 ] XXXX XXXX XXXX {$760.00} [ 8 ] XXXX XXXX XXXX [ 9 ] XXXX XXXX [ 10 ] XXXX XXXX [ 11 ] 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 2019-03-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted this company on XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims. Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Below are the fraudulent accounts that I need to be removed : XXXX XXXX XXXX XXXXXXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX I am attaching all the documents I sent to them earlier for your reference

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
This account was closed and resolved. It was not on my credit report. The last payment on this house was XX/XX/XXXX and it went to foreclose in XX/XX/XXXX. This account did show on my credit report for the past 11 plus years. I have spoken to several employees from this bank and they all just give me the round around, most of them just hang up or leave me on waiting. They do not want to give me any proper documents to support my case.

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 2019-03-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield & Associates Had claim a debt no mine, had Reported to the credit bureau a debt account does not belong me. 
Please seePDF letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my  ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX**, ( Original Creditor : ) 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