BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX is reporting five ( 13 ) missed or late payments on my credit report ; XX/XX/XXXX - XX/XX/XXXX. I've disputed these late payments with XXXX on multiple occasions including phone, email and certified mail. XXXX has failed to respond to direct disputes and fell short of doing thorough investigations when asked to by the CRAs. Its completely unsatisfactory that these mid to large companies violate FCRA violations such as notices informing consumers they are reporting negative information -- every consumer does not review their credit monthly. In my case, I went nearly a year and half until I noticed the negative reporting by this time there has been instrumental damage to my credit worthiness. What is equally alarming, when the CRAs fail to conduct a independent investigations and the outcomes turn out to be " certified '' without surveilling the full scope. After disputing the reporting, there has been multiple times where XXXX has not left a " dispute remark '' on my profile which I have attached documents validating this incompliance. I've exhausted all options at this point with both XXXX and all three ( 3 ) CRAs to no available. 

Compliance violations 1. 623 ( 5 ) ( a ) -- Duty to Provide Notice of Delinquency of Accounts 2. 623 ( 7 ) ( a ) -- Notice to consumer require reporting Negative information 3. 623 ( 7 ) ( b ) -- Time of notice reporting Negative information 4. 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute to CRAs ( No remark on credit file ) 5. 12 CFR XXXX - Direct disputes Tracking numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: PA
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-08
Company: EQUIFAX, INC.
State: NC
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:
Equifax continues to maintain Hard Credit Inquiries on my Credit Report that are unauthorized. I have notified each company by mail and phone more than once more than twice. Dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. I contacted Equifax Credit Bureau by phone and mail. I was told by Equifax that credit inquiries are FACTUAL, I don't ' know what that means and when asking the Equifax representative the explanation I got was that the credit inquiry had to be authorized by me and that the credit inquiry must remain for two or more years. So my question is if a hard inquiry is not connected to any accounts on my credit report and the same hard inquiries are displaying more than one time, why would that be factual? Please help me. With all these security breaches and Hurricane Florence I have been displaced from my home and now living with family. This is a hardship for me as I am trying to make sure that my credit reports are displaying the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: WELLS FARGO & COMPANY
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX at XXXXXXXX XXXX I received a phone call from Wells Fargo the number was showing as XXXX and the caller ID read Wells Fargo, I already had a missed call from them and XXXX additional that did not connect starting at XXXXXXXX XXXX. I was in a bad service area at the time. I was under the impression at the time it was an urgent matter. Upon answering the man said he was with the Wells Fargo Fraud Dept. He then started asking me about XXXX transactions and if they were authorized in the amount of {$3500.00}. I said no so he said my account had been compromised and we needed to secure my account against any further transactions. I was driving home at the time from XXXX XXXX to XXXXXXXX XXXX I had taken my husband to pick up his semi-truck. There was a bad snowstorm going on, so I pulled over on the side of the road and sat on the phone for XXXX minutes with a Wells Fargo employee, so I thought while we verified some info and secured my account. We even joined XXXX XXXX my husband and account holder onto the call. After everything was said and done, I had to get back to XXXX to get my children from school. I was worried and told the XXXX caller I really needed to get on the road. He said no problem and said I would receive a link with new login credentials and a temporary password. After driving home and picking my son up at XXXX pm I had not yet received anything, so I attempted to log on and it was when I discovered my account had zero dollars. I immediately drove to Wells Fargo and reported the incident with the Branch manager XXXX XXXX. Come to find out a XXXX for {$1000.00} and a wire transfer for {$8800.00} was transferred to a XXXX account. While on the phone with a WF rep they informed us they had a transcript of a person calling in saying they were my husband verifying information stating they needed the transfer for a down payment to a home. We have not attempted to buy a home anytime recently. We contacted XXXX and they looked up the information and found the money had been wired to an account based out of Florida that had multiple transactions going through fraudulently from XXXX, XXXX, XXXX XXXX, and other wire transfers. The money was withdrawn immediately. This was noted by XXXX bank manager in XXXX Idaho off of XXXX and XXXX XXXX. We then drove to the police station and reported the fraud. Since that time, I have received no calls for info only letters claiming I made the transaction and that my claim was denied. It was " escalated '' to the next level up and denied again. It was at this time I decided to reach out for assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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:
I wrote letters to XXXX, Experian, and XXXX. I wanted to dispute the account reporting on my report on the grounds that they do not have the an original copy of the agreement with my signature on it. They sent letters back saying that they did an investigation but never provided original documentation of the agreement. I asked for names of the individuals who were doing the investigation. I have never received and names. I took the time to write and send letters that were notarized with a copy of my identification and SSN. I sent the first letter on XX/XX/2022 the second letter on XX/XX/2022 the third XX/XX/2022 the last letter XX/XX/2022. it cost me {$38.00} everytime to send four sets of letters that were notarized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Amsher Collection Services, Inc.
State: CT
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I tried to apply for XXXX XXXX and a cell phone 2 days Later I canceled the previous order. After a couple of months, I started receiving bills from XXXX and called them to address the issue. XXXX I was being charged for the equipment they sent to me. Happened I never received the equipment bc the order was canceled. Went to the XXXX store in person. The account was closed in the problem was supposed to be fix. On In the month of XXXX a collection agency started harassing me I talked to them And called XXXX again to fix this issue. Last XXXX a week ago on my credit report a derogatory mark created by XXXX XXXX XXXX for XXXX $ XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This complaint is effectively to reopen complaints numbers XXXX and XXXX against Comenity Capital Bank. Please, use the attachments to these 2 complaints. 

Complaint XXXX involves incorrect fees/interests Comenity Capital Bank charged to my account. 
Complaint XXXX involves the reports made to four Credit Bureaus based on the above incorrect fees/interests. 

So far, Comenity Capital Bank has responded to complaint XXXX with "... Credits have been applied to bring the balance to zero .... '' but there was no mention of the reports to the four Credit Bureaus. Hence, the reports to the Credit Bureau remain an open issue. I request that complaint XXXX be reopened. 

I need a written response from Comenity Capital Bank to address specifically the reports it made to the four Credit Bureaus. This response is needed for me to take further action to repair my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Collection Consultants of California
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX for a dependent initially billed incorrectly. In efforts to resolve billing, situation enters collections. Insurance situation resolved, and original service provider was paid as far as I understand. However, collection agency is still trying to collect a debt related to this circumstance. 

I have received no communication about this for years. 

I find it on my credit report and dispute the derogatory claim. 

It comes back as XXXX XXXX as still an open collection. 

I do n't understand how I owe them anything and why they are claiming I owe anything at all in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: Pollack & Rosen, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX SSN This account is held by Pollack & Rosen XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number XXXX Filing a small claims suit on a statue of limitation credit card in Florida the statue of limitations is five years Florida is a debtor state and this can not be collected on after the bank XXXX XXXX has written it off after seven years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: OneMain Finance Corporation
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My emails that were sent to the company : My payments- XXXX every two weeks ( this included fee services that did not provided services when reaching out to assistance ) 1. Resubmitting my email below from last week. Please could someone get in contact with me about my concern with my next two payments please. 

Thank you, XXXX XXXX XXXX : XXXX Home : ( XXXX ) XXXX Begin forwarded message : Date : XX/XX/XXXX at XXXX XXXX XXXX To : XXXX Subject : My OMF NextPayments Hello, I called to today to reach XXXX XXXX who was the agent that financed my loan with OMF but there was no answer. 

I have an unexpected expense that came up in my household and I would like to know if I could possibly either skip or move my next two payments to the back of my loan, I know interest may still accrue but I have to pay for this expense to be fix asap. 

If someone one could reach out to me as soon as you all available to confirm if this could be a possibility. 

XX/XX/XXXX : XXXX XXXX XXXX I gave you a call as instructed yesterday to move my next two payments due to needing to get my truck out the shop. I also called today. 

I will not have this payment for the next two payments starting this Friday XX/XX/XXXX and XXXX. 

Could someone please make sure to make these changes on my account as soon as possible so nothing would be withdrawn from my bank account for OMF. 

Begin forwarded message : Date : XX/XX/XXXX at XXXX XXXX XXXX Subject : XXXX : My OMF NextPayments Hello, Resubmitting my email below from last week. Please could someone get in contact with me about my concern with my next two payments please. 

I also called on the following days : XXXX I spoke to XXXX about my situation and concerns about not being able to make my payment that was coming up next due to my truck being in an accident and I was told to give her a call back on XX/XX/XXXX which I did to make some arrangements. 

XXXX I called One Main FinanciaXXXX 3 times no answer and I left voice messages. 
XXXX I spoke with an agent from One Main financial and again I let them know my situation and being a home owner and running into a hardship and they ran my credit again to see if I can get a lower payment to try be in a better situation and I asked to take away the services that was offered, special the auto/home care because they were no help. There was no assistance offer or resolution to my situation. 

XXXX One Main has been calling and sending countless of mail. I am at my wits end and they keep reporting to the credit bureaus each time on a missed payment. 

I am not sure what my options are with trying to get out a financial aside from a bankruptcy which is not something I want to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Social Finance, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
In late mid XXXX, I receive mail from SoFi encouraging me to refinance my federal student loans with then for their low rates. Their message highlights that the federal forbearance ends at the end of XXXX which adds pressure to the message. That statement was factually incorrect as the forbearance was extended to XXXX as SoFi would most certainly know. As such anyone who refinanced with them would be paying a higher interest rate because federal loans are currently at 0 %. This is irresponsible and predatory marketing that should have been pulled from the mail house as soon as the forbearance extension was announced.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: SYNCHRONY FINANCIAL
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 a loan with SYNCB/GAP. I have always made my payments on time. I am requesting for a complete payment history of my record, but I have not received any of its kind. I have been contacting XXXX, XXXX, and SYNCB/GAP with no successful resolution. There was definitely an error on their part.

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 2018-01-10
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They will not stop calling after telling them 3 times to stop. This time the lady XXXX got rude and began harassing me, saying " we do not even know who they are '' in a threatening tone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I can not log into the Ed Financial website and when I tried to request a new password it would say on the screen " If your credentials match our records we will email you new login info '' I was putting in my social security number and year of birth so it is correct. But I never received an email in my spam or regular inbox. I have called Ed Financial multiple times in the past 3 weeks all over a span of a few days and waited a half hour to an hour even though the operator said the wait time is " 13 minutes. '' Today XX/XX/23 the operator also said 13 minutes and I waited over an hour. Loan repayment opens tomorrow. I am still a graduate student and I need to figure out what I will be doing in terms of repayment I do not know even the day before loans open. Finally, I emailed Ed Financial and they have not gotten back to me or my dad.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019 I attempted to log into my account with Equifax to temporarily unfreeze my account because leasing a new car the next day. Unsuccessful! ( on first attempt to log in message " locked out because too many attempts '' ) After numerous tries with different telephone numbers finally reached a live person and told " system under maintenance ''. 
On XX/XX/XXXX, at the car dealer again after several attempts with different telephone numbers I was advised : " system under maintenance ''. Faxed the requested information to Equfax to unfreeze account - no response. Could not complete the transaction. That night finally reached a live person ( not an easy process ) and had a temporary lift of the freeze to complete lease process. 
Tried again to access my account on line to avoid problems in the future - unsuccessful. Numerous tries to talk with someone led to a repeat " system under maintenance ''. 
On XX/XX/XXXX, again tried to access on line without success. Spoke to a live person ( supervisor ) and told " system under maintenance ''. 
Through this entire saga attempted the usual fixes : cleared history, changed PW, used different browser. All unsuccessful. 
At no time during my live telephone calls was I asked for the pin number issued when first froze account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Account XXXX XXXX XXXXXXXX XXXX Has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: United Shore Financial Services, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is a follow up to complaint XXXX. The short story is we had our house burn down on property related to loan XXXX ( XXXX XXXX XXXX XXXX ) and received a full dwelling payment of around $ XXXX. The check was in UWM name and myself and my wifes so we sent it to UWM in XX/XX/2020. By XX/XX/XXXX the loan showed as paid off, which means they cashed the check. The loan was for around $ XXXX, and therefore we are due the equity of the difference which is $ XXXX. They've had multiple processing issues, incorrect address, stop payments etc. Long story short is it's 3 months after I sent the check and we have not seen our equity check of $ XXXX. Every time we call or email we are told " it's in the mail '' or " it will be overnighted this week '' or whatever the lie is that day by whichever incompetent employee happens to answer the phone. 

The company responded to our previous complaint and sent a {$25.00} gift card, which funny enough got to us before our $ XXXX. A true slap in the face. I emailed a lawyer tonight. The most recent correspondence from a manager named XXXX via email said it was in the mail on XX/XX/XXXX. However it's now 8 business days past that, I've never seen mail take that long. I have reason to believe they are lying, as they fail to show any proof that the check is in the mail. 

We NEED our money. We have severe emotional and financial stress from teh delay of this company. And all you need to know is on their XXXX page. Endless reviews of incompetence and horrible customer service. STAY AWAY FROM UWM at all costs!! I'd rather pay a % higher than deal with these scam artists.

Company response to consumer: Closed with explanation