BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: Global Credit & Collection Corporation
State: NM
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:
Received a phone call at XXXX XXXX from XXXX to inform me that I was going to be served court papers on a civil case for outstanding debt case # XXXX and they were coming to my home and further told me the address. I told them I did not know what they were talking about. They gave me a phone # to contact XXXX which is called XXXX. The woman said she would be at my house in 30 minutes. 

I called them and they told me my ss # and that I owed $ to XXXX which I took out a loan on XXXX for XXXX XXXX XXXX and that I have not paid it back and was a sizable amount and why didnt I pay my bills. 

I do not owe XXXX and I have a closed account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had made a complain about my Wells Fargo online access due to misinformation in my payment account and it was disabled and I want help back enabling my online access because Im on a business trip and cant go to the branch..

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 2018-10-14
Company: EQUIFAX, INC.
State: CA
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:
Equifax credit reporting agency will not remove inaccurate accounts from my credit report that I have filed identity theft for and disputed. XXXX XXXX XXXX, XXXX is listed three times on my credit report. 1. XXXX XXXX XXXX, XXXX for {$390.00} - 2. XXXX XXXX {$620.00} - 3. XXXX XXXX XXXX XXXX  {$620.00}. Two of these account have the same account number, amount and the same information. 

The other two major credit reporting bureaus have removed these accounts and updated my credit file, but Equifax still shows these three accounts and it is affecting my livelihood. I am in the process of purchasing a home and have been denied twice, due to Equifaxes incorrect reporting errors. 

On XX/XX/2018 I informed Equifax once again that I am a victim of identity theft and faxed them a copy of my Drivers License, Social Security Card, a current bill with my name on it and my FTC Identity Theft Report. I placed a security freeze on my credit report and took all the necessary steps that I was advised to do take by the FTC Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: One Source Technology
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Legal charges in Arkansas XXXX we're dismissed. This report shows charges pending, I lost a job due to this misinformation and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The credit Bureaus are still reporting inaccurate information on my report and are not doing a proper investigation concerning my disputes. I sent a letter certified mail to the credit bureaus asking them to check everything reporting on my report was reporting 100 % correct. If the information is inaccurate, incomplete or can not be verified it must be deleted. 

In accordance with the Fair Credit Reporting act. The list of account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-02-24
Company: Social Finance, Inc.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am having an issue with my loan refinancing agency. I have refinanced my private loans through XXXX, and Sofi/XXXX XXXX. The loan is a 7 year XXXX refinance loan with an interest rate of 5.375 % fixed loan. The loan was issued XX/XX/XXXX. The initial agreement was for a $ XXXX monthly payment for a total of 54 months. I applied for the loan during my XXXX XXXX and finished my XXXX in XX/XX/XXXX. After XXXX, I pursued a fellowship in XXXX XXXX. I am currently not an XXXX XXXX and have one and a half years left before I can start getting paid like one. Since my XXXX was finished the loan reverted to full payment after 6 mths. I applied to re-instate the {$100.00} as I had not utilized the full 54 month period. However, my application was declined because the loan company had realized that my school was not a XXXX XXXX school at the time of my graduation. They told me it was an accident that they even let me refinance in the first place, as they did not check this prior to issuing my loan. However, now they are charging me about $ XXXX/month. I only make {$62000.00} yearly and am in no way able to pay this off with my current salary. I have called them numerous times and have been constantly redirected between SOFI, and SOFI/XXXX. I tried to apply for forbearance through SOFI/XXXX, and they declined my application as they reported I am do not meet the criteria for economic hardship. I then looked to refinance my current loan again through SOFI and they keep declining stating that my school is not a Title IV school so they would not make any changes on the loan. In short, the loan company is not allowing any flexibility in reducing my loan payments or restoring the original contract to {$100.00}. I know that once I do become an XXXX XXXX, I will be more than capable of paying off my loans but as it stands I currently am unable to do so. Additionally, I am unable to refinance the loan through other companies as even they believe my monthly payments would be more than my current income. Please help me address these issues, as they do not seem to care about my ability to pay the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Experian Information Solutions 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:
This is the third time I have requested Notice for Proof of Claim for Accounts XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void.

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 2019-02-28
Company: COLLECTIONS UNLIMITED OF TEXAS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went and saw Dr. XXXX XXXX on XX/XX/2017 and paid him {$270.00} I was not happy with services rendered and I was refunded my money How can they put something in collections when I paid them and they gave my money back this is not right

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX XXXX in reference to an alleged debt with XXXX XXXX. I called XXXX XXXX XXXX and informed them that this was not my debt, that I had never signed up for anything with XXXX XXXX, and I was not going to pay this debt. The CSR informed me that since my date of birth matched up with what they had in the system, that this was in fact my debt, and I would have to pay it. He further stated that XXXX XXXX would have " proof '' that I signed up and that because of that I would have to pay it. Once again I informed him that I never signed up for anything with XXXX XXXX, that I was the victim of ID theft and that this was not my account. The call ended with that, but that is not where it stopped. I got an alert from XXXX that a new " collection account '' was listed on my credit report. This collection account was listed by XXXX XXXX XXXX, and has XXXX XXXX listed as the original creditor. This caused my score to drop my over 50 points. I filled out an ID theft affidavit, and I also went to the XXXX XXXX Police Dept. This is not my account, I want it deleted from my Transunion 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 explanation
Consumer complaint received 2018-10-13
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company is a fraud and de fraud me I agreed to a 12 % apr on XXXX title loan and had my head ripped off with a GIANT 68 % rate I DID NOT agree to this I was told my rate would be 12 % then I look up Westlake it looks like you the cfpb have fined them XXXX XXXX dollars and my loan XXXX if you can call him that was indicated for fraud from the FBI My " Esigned '' loan documents show 68 % which are forged!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: MO
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:
It's been several years and I am having difficulty getting an item cleared up on my Credit Reports from XXXX XXXX XXXX. I have made several requests to all three credit bureaus as well as contacted XXXX XXXX XXXX responsible for reporting the charged off debt. All three bureaus indicate that they have verified that the information contained on the credit report is accurate and to follow up with the original creditor. Unfortunately, the original creditor has ceased operations and directed me to contact the new loan service provider. The new loan service provider does not have any information pertaining to the account in question and is unable to resolve the matter. Therefore, I am unable to secure credit that I'm seeking due to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Incorrect personal information in 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 2018-10-13
Company: Perfection Collection
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In response to XXXX. I have SEVERAL other XXXX accounts and XXXX XXXX   XXXX  is ONLY an installer of the security equipment, they do not provide monitoring services ( at least in XX/XX/XXXX-XX/XX/XXXX they didn't ). Once the installation is complete the monitoring services are provided through XXXX monitoring sites, as XXXX XXXX XXXX does not offer monitoring services. That is why the only bill I received for the account in dispute came from XXXX in XX/XX/XXXX, and not XXXX XXXX XXXX, and that is why in XX/XX/XXXX the service interruption notice came from XXXX and not XXXX XXXX XXXX. That contract that you have is not legit ... that's not my signature, as you will see when I feel it is needed to show my other contacts, and tthe monitoring contracts that I possess have XXXX logos and not XXXX XXXX XXXX. The only XXXX XXXX  XXXX logo I have is for the purchase and installation of the security system. I will proceed to fight this because there is a scam somewhere. I will be proceed to the next step since I now have a copy of your fraudulent XXXX XXXX XXXX contract that I never saw or signed. The document itself is fraudulent and forgery is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I purchased a new truck from XXXX XXXX, it was financed by WFS FINANCIAL, Soon after Wachovia Bank purchased my contract, I paid as was agreed on the original contract, then Wells Fargo Bank, purchased Wachovia Bank with my contract, then Wells Fargo Bank, as I was paying as agreed on the contract, Wells Fargo Bank repoed my truck, and sold 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 2018-10-13
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted PROCOLLECT several occasions and they have stated that they report to the credit bureau, every beginning of the month. My debt has been paid since XX/XX/2018. I have a letter stating balance is paid in full. But still every time I dispute, when report is done ; company verify debt is correct. But I've paid the XXXX balance that's shown.

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 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
After changes were made to my Credit Report, I requested an updated one, but haven't gotten any response its been almost 90days.

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 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 reported identity theft to the 3 credit reporting bureaus ( twice ) some of the items were removed, including unauthorized inquires from the theft. Two accounts are still showing and some of the inquires. I sent out the identity theft report at the end of XX/XX/2018 via certified, for the second time and requested these items to be block and/or removed per my rights granted by the Fair Credit Reporting Act, which clearly states that these item should be removed within 5 business days for the date of receipt. By the credit bureaus. As of XX/XX/2018 there are two accounts, that haven't been address. Which are XXXX XXXX and XXXX XXXX XXXX, as well as all the inquiries for accounts that were issued to my credit file and inquires that are showing for account that weren't issued nor were they authorized. 

XXXX has removed all of the items, except a XXXX XXXX inquiry for XXXX. Which is a new inquiry, but they have conducted themselves in the correct manner, as based on the FCRA. 

I have attached a copy of the Identity Report, that was filed and delivered to the credit bureaus. They are picking and choosing which account to remove, when they have clear instructions and time-frame, in which these items are to be removed and/or blocked.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have several problems on my credit report. Unauthorized inquiries personal name is wrong previous addresses that are not mine and employers that do not belong to me. Also several accounts that are not mine and charge off and or late paymnets that need to be updated. I have attached a letter explaining this.

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 2021-04-08
Company: Waypoint Resource Group, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Apparently on or around XX/XX/XXXX this inaccurate and negative collection appeared on my 3 credit reports with TXXXX XXXX XXXX XXXX XXXX have never heard of this company and this is the first time I have seen this alleged debt. I have not received any correspondence prior to it being put straight on my credit reports. The negative reporting has damaged my credit rating and violates FDCPA by not providing proof of debt on where this debt came from, how was the amount owed calculated etc. The reporting indicates that this debt was opened on XX/XX/XXXX. I have no accounts that I opened on that date or even that year that would be related to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX I have capital one account on my credit report I send two certified letter about the account both letter came back I asked to send any information about the account no response from them I send the credite buero XXXX remove it but XXXX and XXXX they didnt remove it so please I need this account remove or delete from my report. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 I made a purchase with XXXX   to assist me with all the proper documents needed to file a divorce. The documents provided were incorrect as you'll be able to see along with this rebuttal. XXXX is not a law firm as stated in their disclaimer notice. 

XXXX XXXX XXXX, All Rights Reserved Disclaimer : XXXX XXXX is not a law firm and its services, website and forms are not a substitute for the advice of an attorney. 

Legally they are not able to assist me in any legal matters pertaining to the wrong papers being filed and returned back to me from the clerk of the court. Therefore I ask that my dispute remain valid and my reimbursement stands for services not received. I had to refile my papers with the clerk of the court with the help of the law clerk at the XXXX County Law Library located within the court house the papers needed to be filed.

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 monetary relief
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: MI
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 discovered that I have been the victim of identity theft. Upon reviewing my credit report I noticed a negative account from XXXX and XXXX XXXX, as well as several addresses, places of employment, and phone numbers that were erroneously included in my credit file. These negative files are fraudulent and disparaging to my reputation. I would like them to be removed immediately.

Company response to consumer: Closed with explanation