BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-14
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was contacted by a consolidation company. They said they could consolidated my XXXX student loan which was at a 2.5 % interest rate with my XXXX which was at a 6.8 % interest rate. I was very clear I did not want to consolidate if my XXXX loan was going to get jacked up to a ridiculous interest rate. They told me they where going to take a average of my loans and it would all come out in the wash. I was young not good at math and trusted them. What ended up happening is all my loans went to a 5.5 % interest rate. They have been sold and traded hands several times. I have called my loan holders several times and they are saying they can not do anything about the interest rate. One day last year I spent 4 hours on the phone getting directed to 10 different numbers and agencies. No one seems to know who owned my original student loan. I asked them to send me information ... .this has been super frustrating and I have gotten no help. On top of my student loan interested being more than what my old house and car interest was. I am never going to be able to get them paid off and no one seams to have the information I need. I asked them to send me all my paperwork since I have been receiving loans and the attached its all I received ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I bought furniture last year from a company thru Wells Fargo credit card. I been trying to pay off what I can every month. However my mother got sick and I cant make the min payment at this point. I been trying to see what can I do.

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 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
The company ( XXXX ) agreed to correct the incorrect late reporting ; however, the late payment is still reflected on the Transunion report, and affected my current refinance because my score was slightly too low for the lender 's credit of over {$400.00}. XXXX was notified about this issue in early XX/XX/XXXX, and has still not corrected the problem. Please see the attached evidence, which is a copy of the XXXX letter, and a copy of the 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 2017-07-14
Company: Netspend Corporation
State: FL
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 have had an account with this company with direct deposit of my paychecks for 5 years. I checked my account balance on XX/XX/XXXX and noticed a charge for {$99.00} made at a XXXX station in XXXX, FL on XX/XX/XXXX that I knew was fraudulent because it was not my purchase. I immediately called Netspend and cancelled the debit card and filed a dispute of the charge. I advised them that this purchase was not made by me. I was provided a case number and advised that it would take them 10 business days to investigate the matter. On XX/XX/XXXX I received an email from them stating that I had to submit a request in writing within 10 business days for refund of the disputed charge. I submitted the written request on XX/XX/XXXX.
The issue still has not been resolved.

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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 two bankruptcies reported by TransUnion and one by XXXX. Today I received a notification from TransUnion stating that they verified the information with the XXXX XXXX District Court. That is impossible since I contacted the Honorable Court, and in writing, they said they dont provide information nor report to Credit Bureaus XXXX I shared this letter with both Credit Bureaus. TransUnion insists over the phone and in writing that they verified these two bankruptcies with the court, which is impossible. I need these two bankruptcies reported by TransUnion and the one reported by XXXX removed from my file Immediately. Specially TransUnion is making a FALSE claim that they verified the information with the XXXX XXXX District Court. That is against their terms and agreements and violates the 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 non-monetary relief
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$520.00} XXXX  XXXX : XXXX -- -> : {$440.00} XXXX XXXXXXXX : XXXX -- XXXX : {$1100.00} XXXX XXXX  : XXXX -- > {$700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14
Company: Perfection Collection
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX and Perfection Collection have attached my social security number to someone else 's debt. They installed an alarm system in a house in TN for an individual with a similar name as mine. A name that I have not used in over 20 years due to divorce and remarriage and I live in NC, and have never owned property in TN. I filed XXXX disputes with transunion and perfection collection still claims this is my debt. I am filing a police report on monday and filed a dispute with XXXX today. I requested a copy of the original sales contract to verify where they have obtained my social security number but I have not received a copy as of yet. They have illegally accessed my social because I have not applied for any service or loan with them.

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 2022-02-09
Company: CarMax, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I did the pre-qualify section on Carmax XXXX website to potentially obtain financing for a new vehicle. I only did the pre-qualify section. It clearly stated that a prequalification would not be a hard pull on my credit. I never did a credit application. I went to the carmax store in XXXX alabama and spoke with XXXX the sells manager and he pulled up my pre-qualification on the computer. He saw where i did the prequalification online and also saw where i did not do a credit app. The next day i receive a text from a Carmax associate named XXXX. He stated that he was reaching out to me to see about selling me a new car. I never spoke with him nor texted him back. About 20 minutes later I received an alert from my credit monitoring app on my phone saying that you have a new inquiry from CarMax. I reached out to Carmax corporate office to address the issue and explained that i did not do a credit app but somehow my credit report ( XXXX ) was hit with an inquiry from Carmax. The prequalification section clearly states that no impact will be done to your credit. I received an email from XXXX at carmax corporate office saying that sometimes inquiries happen on pre-qualifications. A pre-qualification and a credit app are two totally different things. Carmax is not willing to remove this inquiry that they placed on my credit report fraudulently. The act like its no big deal, and they are hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Services have been calling me using automated dial services. They show on my caller ID as " Portfoliorecov ''. When I answer there is no human on the other end of the call. The calls are from a prerecorded line. They never leave a voice message as to what the call is regarding. When I attempt to call the numbers back, it just rings and rings with no answer or goes to an automated service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09
Company: National Collection Systems, Inc.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The school fraudulent advertise that I would be paying lower fees for the school/class. Once started each class was {$6500.00} per class. I dropped the class because of the pricing. Later I was hit with a balance without warning. The loan was sent to a third party vendor NATIONAL CREDIT MGMT which immediately applied for the loan on my credit reports. I paid the loan off timely and was advised that they do not remove credits reporting from accounts. The account was paid n full  immediately. I feel that XXXX XXXX University and National Credit Management was negligent in customers due process and was not in good faith. Ask that being that the account is paid off and the procedures were not ethically correct, that the negative reports be removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

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 2022-02-09
Company: Experian Information Solutions Inc.
State: PR
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 two bankruptcies reported by XXXX and one by Experian. Today I received a notification from XXXX stating that they verified the information with the XXXX XXXX District Court. That is impossible since I contacted the Honorable Court, and in writing, they said they dont provide information nor report to Credit Bureaus XXXX I shared this letter with both Credit Bureaus. XXXX insists over the phone and in writing that they verified these two bankruptcies with the court, which is impossible. I need these two bankruptcies reported by XXXX and the one reported by Experian removed from my file Immediately. Specially XXXX is making a FALSE claim that they verified the information with the XXXX XXXX District Court. That is against their terms and agreements and violates the 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 2021-09-16
Company: MoneyLion Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
MoneyLion is the Name of the party that I am disputing I signed up for a XXXX XXXX and received one advance which was repaid. After that, MoneyLion repeatedly debited my account for instacash advances that were never made. XX/XX/XXXX for {$56.00} and XX/XX/XXXX for {$45.00}. Also debits for MoneyLion Plus Membership Fee for {$9.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

In addition a loan that was taken out without my authorization. ML Plus Loan deducted for {$38.00} on XX/XX/XXXX, ML Plus Loan for {$38.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: DC
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: Problem getting your free annual credit report

Complaint:
I am a XXXX XXXX XXXX. I must have a credit report to submit to the state governing agency before I can obtain my renewal license. I have retrieved my credit report on several occasions utilizing the free annual credit portal. I have not changed any information at all. Yet, the three credit reporting companies will not allow me to access my reports online. I have to wait as long as 2 weeks before receiving it in the mail. This is untenable as I need it now. I can not practice XXXX  without a XXXX XXXX XXXX. 

Their actions will have a devastating monetary effect on me. 

XXXX has promoted inaccurate information on an heir property where my name appears as an administrator as my home address, which has never been my place of abode. In other situations, as a Realtor, I have served as a fiduciary for my clients and was required to have my information along with my company registered as the point of contact. No matter how much I have attempted to have the companies recognize my address I have used for several years they refuse to do so. I believe there exists a XXXX and XXXX nuance as to why these companies have created a problem for me on my reports. They can not conceive how I am affiliated with several addresses which I have absolutely never connected with my personal affairs. 

I have tried to get that corrected to no avail. Additionally, XXXX XXXX is reporting a delinquent account to XXXX XXXX, which is untrue. I have tried to get it corrected on many occasions and can not. I have a 100 % payment record with no delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: General Motors Financial Company, Inc.
State: FL
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:
Didnt give this company any authorization to check my score, and would like these inquiries to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
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:
I was a victim of identity fraud in XXXX XXXX, at which time XXXX credit inquiries were made to Equifax but not authorized by me : 1 ) XXXX XXXX XXXX XXXX on X/X/2017. 2 ) XXXX XXXX on X/X/2017. <P/>On several occasions I have sent information to Equifax documenting identify theft and have enclosed letters from both XXXX XXXX XXXX and XXXX which verify that these inquiries were fraudulent. I will upload the documents I have sent. <P/>Each time I receive a nonsensical reply from Equifax that truly indicates that my concerns were not taken seriously. Equifax is quick to add this information to my credit report but is refusing to remove it despite evidence that it is fraudulent. <P/>Equifax needs to remove these two fraudulent inquiries promptly. They are having a negative impact on my credit score. <P/>Thank you. <P/>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Penn Credit Corporation
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a voice message from Penn Credit XXXX about collecting a debt. I have never had an account with Penn Credit I called back and inquired why they called. He asked me to confirm my name and I said yes and then he asked for my address. I told him " XXXX no '', not until he tells me the reason for the call. I asked him repeatedly " Why are you calling me? '' He then proceeded to say that I was talking over him and it is an important matter for XXXX XXXX XXXX. I said if it important, then send it to me in the mail. He said oh this is going in circles. I said it can but you need to answer my questions as well. He then hung on me. Then called me back 2 more times, but my phone app blocked it due to suspicious activity. I looked up the number and saw multiple complaints. I also looked at their website to confirm the phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2019-10-02
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Contacting family members, friends, and roommates one after another telling them about my personal financial situation and over sharing private information about my address and balances. DISGUSTING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: SUNRISE CREDIT SERVICES, INC
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was called by sunrise credit services to pay my student loan I was told it was over XXXX but I got a call from XXXX XXXX services saying it was 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 2022-02-09
Company: Experian Information Solutions Inc.
State: GA
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 attached the three credit burau reports. XXXX formally was named XXXX loan company. now they're named XXXX. XXXX would not release info to me about the allegedly missing 180-day payments .... then she got quiet and hung up on me. she was a supervisor as well. soooooo they know i have proof of the not missed payments due to me always being on forbearance, deferment or income driven plan due to my income due to XXXX and XXXX diagnosis. attached are the whole and i mean whole list of loans ive taken and thats been three of them. also the evidence shows going back from XXXX to 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