BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-22
Company: Firstsource Business Process Services, LLC
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: Old information reappears or never goes away

Complaint:
The problem is that the collections account is listed as XXXX and I received notification from Firstsource Advantage called XXXX they said Id have to contact XXXX XXXX was transferred to an extension and left message. Trying to settle debt but am shuffled between 3 different collections companies. Negative remarks added to credit report because I am disputing endlessly because there are too many creditors notifying for one account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Americas Car-Mart, Inc.
State: TN
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 volunteered to give the car back in XX/XX/2017. They sent me a letter stating they were selling the car and that if they get more money than what was left on my loan then I wouldn't owe. However no one can tell me what the car sold for and they won't return my calls. Please contact the XXXX   and confirm the amount they sold the car for. Also they put I didn't pay in XXXX and XXXX but they had already sold the car. They send these letters to everyone who gives a car back and they sell it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX is closed on my XXXX and XXXX report, but Experian keep the account open Due to XXXX XXXX lies! My husband passed away and they took the car before hand in.. I live on SS and from the state raising a child. He died with no life insurance, he had nothing. Each credit report shows different collection, then the other.

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 2018-02-27
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I previously had a student loan account that was managed by Navient. I had the loan re-financed XX/XX/XXXX by a new student loan company, XXXX. The loan pay off amount in XX/XX/XXXX was {$21000.00}. 

Now, Navient shows that I still have an outstanding balance of {$910.00}. Navient has continued to charge interest on my account but never notified me that the loan was underfunded. It is clear that Navient benefits from underfunding consumers loans as they then are able to continue charging interest against the consumer. Interest charged is at a rate of 6.8 %. The due date for the outstanding balance is XX/XX/XXXX. 

I contacted Navient to request information. Navient is blaming XXXX as at fault for not fully funding the loan. However ; my argument is that Navient has knowledge of an underfunded loan ; XXXX would not be aware of any outstanding amount. They stated that the due date on the loan is in the year XX/XX/XXXX so they were not notifying me until nearer that date. Navient failed to address my concerns and rather told me to contact the U.S. Department of Education. 

I am filing a formal complaint because Navient is benefiting from failing to inform consumers when a loan is under funded. I am likely not the only consumer that has had such an experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Rocket Mortgage, LLC
State: MI
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/2019my credit monitoring company informed me that a hard credit check had been pulled on out credit rating. Upon investigating I learned that our mortage company, Quicken Loans,had pulled it because they wanted us to refinance our home.  They called my husband at work to discuss this with him and proceeded to read from the report, never mentioning that it was a hard check.  They never asked for permission to do this.On the  XXXX XXXX they called me, not my husband regarding the same issue.  This was after my husband sent an email stating we were not interested.  I gave this person, he said his name was XXXX  XXXX, after telling him we were not happy about them pulling the credit check that no further conversation was going to happen.  Any communications was to be in wrting.  I eventually talked to an XXXX XXXX and was told that she would look into it and get back to me.  As of today I have only gotten an email with her phone number.  After talking to a loan processor at a bank I learned that this was not supposed to happen, and said I should file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: EQUIFAX, INC.
State: MI
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 have previously disputed this below inquires with Equifax directly and they only responded " inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' There are NOT factual. This is to notify you that I contacted the following inquiry creditors for proof of authorization to pull my credit. I do not recall placing an application with such creditors, nor do I agree to having had my credit pulled by such creditors. I reached out to the creditors who placed the inquiry and requested they remove the credit inquiry from my credit profile. XXXX XXXX XXXX responded that they will remove the unauthorized inquiry. XXXX XXXX received a dispute via certified mail, XX/XX/XXXX, and has failed to respond for the unauthorized inquires on XX/XX/XXXX and XX/XX/XXXX so I am assuming they have no such documentation. XXXX   XXXX received a dispute letter via certified mail XX/XX/XXXX and has failed to respond as well. I demand these inquiries be removed from my credit file at once : 1 ) XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. I am enclosing a copy of the letter mailed certified to the inquiring creditors, along with XXXX 's response stating they do NOT have records of my inquiry and are removing the inquiry. I have also attached certified receipts for the letter mailed to XXXX XXXX and XXXX   XXXX. With that said, I expect you to take this matter up and remove the credit inquiries from my credit file today or you will be in violation of the FCRA for reporting inaccurate, unverifiable information on my credit file and liable for monetary damages. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have personally banked with Wells Fargo for 30+ years. I also have 3 businesses with more than $ 15million in annual transactions flowing through Wells. 

They have decided to endorse XXXX for web transfer of funds On XX/XX/2017, my wife identified some tickets she would like to a football game. I connected with the seller and asked them if we could see the tickets. They mentioned that they use XXXX from Wells Fargo which has fraud protection. 

Checked with Wells and yes ... they do approve XXXX. I was told that there is a delay before funds are actually transferred to ensure it is not fraud. We transferred and asked for the tracking number. The seller did not provide the tracking number so I reached out to Wells Fargo and XXXX immediately to block the transaction. There were no return calls or emails from XXXX and Wells customer service knew NOTHING about XXXX. They could not help me at all. Days went by and the Wells or XXXX did nothing. The cash was transferred after 48 hours of absolutely NO help or fraud actions from Wells Fargo or XXXX. 

Bottom line. Wells is doing NOTHING to protect long-time customers from this type of fraud. I reached all the way up to executive VPs at Wells and got absolutely nothing. Even after my 30+ years of loyalty as wells as moving my businesses to Wells . 

It is clear the direction I should take my personal and corporate banking. XXXX should be shut down.

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 2020-05-15
Company: TRANSWORLD SYSTEMS INC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX - Final Account Statement given by original creditor, XXXX XXXX of XXXX XXXX XXXX totaling {$1100.00} XX/XX/XXXX - Request for further documentation pertaining to charges in final account statement XXXX itemized receipts, carpet useful life and install date, etc. ) made to original creditor. No further contact from them. 

XX/XX/XXXX - Account placed with Transworld Systems Inc - Account # XXXX - Balance of {$1100.00} XX/XX/XXXX - Letter sent to TSI denying responsibility for debt, request for proof of validity, and notification of no availability between XXXX CST. Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. Recv 'd Date : XX/XX/XXXX XX/XX/XXXX - Response to request for validation. Documents to include validation consisted of documents already ascertained from original creditor XXXX XXXX XXXX Final Account Statement and copy of the lease ). 

XX/XX/XXXX - Call from debt collector attempting to collect debt at XXXX, no name given, call lasted 2 mins 56 secs. Collector was notified that I am refusing the debt in its entirety per the previously sent letter and lack of valid proof of debt. Collector said he would note this on my account. 

XX/XX/XXXX - Letter received from TSI with exact same contents as letter from XX/XX/XXXX. 

XX/XX/XXXX - XX/XX/XXXX - Constant calls from TSI debt colllectors XX/XX/XXXX - Letter sent disputing debt in its entirety for third time with clarifying requests original made to XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX  XXXX {$9000.00} XXXX XXXX XXXX {$4800.00} XXXX XXXX {$87.00} XXXX XXXX {$200.00}

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 explanation
Consumer complaint received 2021-02-25
Company: SYNCHRONY FINANCIAL
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and SYNCB/NXXXX, XXXX, and SYNCBXXXX.. The Account Opened is SYNCB/XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$10000.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. The Account Opened is SYNCB/XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-03-27
Company: Winklevoss Exchange LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021, I made several attempts to withdraw funds from Gemini.com. One for {$500.00}, {$450.00}, and {$400.00}. At the time, I had a balance of XXXX {$560.00} in XXXX. All were denied with the explanation being " Your transfer requires additional review by our risk team and can not be completed at this time. '' This is really frustrating, and I don't consider the explanation provided as legitimate. Why does withdrawing funds that are rightfully mine pose a risk? Those funds are my rightful property and I should be able to withdraw them at any time, irrespective of any risks to me from doing so. Alternatively, if the message implies my withdrawal in such small amounts is a risk to Gemini, I would respectfully suggest that Gemini 's capitalization deserves further scrutiny. If a simple {$500.00} withdrawal request can put millions of consumer investments at risk, that is an issue worth looking into. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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: Was not notified of investigation status or results

Complaint:
I have no idea where to start with this complaint. First off I should not be having to spend my time writing this complaint after I have already filed two disputes. The one was back in XXXX of XXXX the second was in XXXX now we are almost into XX/XX/XXXX and I havent received anything. WHY? What do I have to do to get my them to do their jobs? I have to waste my time filing disputes after disputes and now a complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX  XXXX {$9000.00} XXXX XXXX  XXXX {$4800.00} XXXX XXXX {$87.00} XXXX XXXX {$200.00}

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 explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: AR
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:
My sister informed me that I received a letter in the mail at her home address where have never lived before stating that I owed child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person, I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These accounts are not mine, please remove these faudulent items from my 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 2021-02-23
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021, I received a letter from Amerisave Mortgage Company at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, Phone XXXX. This letter said that I had ordered a credit report to determine my qualifications for a mortgage. I ordered no such report from this organization. 
When I called them the same day, I was told that I had given permission by looking at some website and that gave them permission to look at my credit. When I advised them that I gave no such permission I got the same story again and again. They refused to acknowledge same and I discontinued the call. 
I consider this a form of identity theft and want to know what my legal options are. 

Thank you,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My sister informed me that I received a letter in the mail at her home address where have never lived before stating that I owed child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person, I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These accounts are not mine, please remove these faudulent items from my 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 2020-07-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Wakefield & Associates had a judgment against me. I filed Chapter XXXX Bankruptcy and was Discharged and they have failed to notify the court that I was discharged and the judgment is still showing up on my credit report. When I spoke with this company they told me it was not there job to tell the court. They also stated that I still owe the debt and can make a payment to them. No I am not making no payment this why I had to file chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: EQUIFAX, 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:
I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap.. XXXX SELF-REPORTED XXXX, XXXX SELF-REPORTED XXXX, XXXX SELF-REPORTED XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX, XXXX ( Original Creditor : 12 XXXX XXXX ) XXXX, XXXX ( Original Creditor : 09 XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX , XXXX-KS ( Original Creditor : 10 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
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 spoke with XXXX 


XX/XX/XXXX payment XXXX XXXX XX/XX/XXXX {$9.00} Unauthorized charges credited. {$9.00} late fee charged bringing the account to {$20.00}. 

XXXX credit- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX {$9.00} XXXX Charged me a late fee on unauthorized charges that were credited back to me. In addition, I was reported late to the credit bureau, the unauthorized charge of {$9.00} caused the account to have a balance. After the credits were reimbursed as unauthorized, the late fee still remained on the account causing it to show as late. Had the unauthorized charge never been charged to this account no late fee would have applied. The {$50.00} was a membership fee charged XXXX, that was due in XXXX. Payment made XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have called to ask what the debt was that was showing up on my credit score for {$180.00} IN COLLECTIONS. The first call I was told there was a glitch in the system and to call back and they could not tell me what the charge was for. The second time I was told there was no debt owed and a 0 balance after getting transferred 3 times over the course of an hour. When I asked for a statement sent to my email they would not send it. When I asked for a letter stating there is a XXXX balance, I was told " uhm no '' and was hung up on. I have closed this account years ago and there is no reason for me to have a balance OR to not be sent a statement for resolution and to be secretive on what that charge is.

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