BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-16
Company: AR Resources, Inc. (FL)
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AR Resources Inc. placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report.Request AR Resources Inc. to remove incorrect information off my credit report. More importantly, AR Resources Inc. are in violation of FACTA section 623 ( A ) ( 7 ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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: Account status incorrect

Complaint:
Hello, i been requesting to confirm unknown accounts in my report. also i it showing some inaccurate accounts in my report. unfortunately i have not received any response. I had send letters in XX/XX/2021, XXXX, XXXX, XXXX and i will send a new request this month. i had send proof that account is reporting inaccurate but no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been asking for written verification from Experian credit bureau in reference to an account from pen air that they are reporting ... it has been more then 60 days and all they tell me is that it was verified but can not/will not provide me with any information as to how it was verified and refuse to remove it from my credit file. Both   XXXX   and  XXXX  have already removed this account from their files but Experian will not even provide me with any type of verification. This is severly effecting my abilty to purchase a home for myself and daughter as i am a single mother im sure you can understand why i am so concerned with this matter being handled in a timely matter. Thank you in advance for any help you can give me 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 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 A FRAUD ALERT SET FOR ALL THREE BUREAUS i have for this very reason for fraudulent activity ... ... .. i recently saw a inquiry dated between XX/XX/XXXX/XX/XX/XXXX from XXXX I HAVE NO IDEA WHAT OR WHO THIS IS I HAVE NO KNOWLEDGE OF THIS AND WANT THIS REMOVED FROM MY REPORT AND A NEW REPORT SENT

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 2018-09-16
Company: ENCORE CAPITAL GROUP INC.
State: IL
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:
I paid XXXX XXXX off on 3 different accounts at the same time. During the call they agreed if paid it would not appear on my report. 2 years later its still here!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: CONTRACT CALLERS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Contract Callers placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Contract Callers to remove incorrect information off my credit report. More importantly, Contract Callers are in violation of FACTA section 623 ( A ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been denied credit and pre-qualification due to a fraud alert on my credit profile that does not contain any contact information. My phone number XXXX should have been added so that creditors can contact me to verify my identity and application. Every time i try to submit a request to Experian, XXXX   or XXXX  online, I can not seem to be successful as each one causes an error.

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 2020-09-24
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX I just received an email from CFPB stating the company responded. They have not responded. They finally refunded {$4.00} for multiple charges I reported. However, they have not refunded overdraft charges to my checking account, nor have they indicated they have blocked " XXXX '' from continuing to charge me, which brought me to complain in the first place. 
US Bank 's standard reply is : Close your account and open a new one. No, this is a major inconvenience to me. If a bogus charge is continually coming from the same place, US Bank has the ability to block a repeat transaction. They have continually refused to do so. 
I demand : Refund of overdraft charges associated with these transactions ; stopping all overdraft charges to my checking account because I have repeatedly asked these to be stopped.

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 2018-09-16
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX was recently removed from my credit report. It than reappears but states that last payment was missed XXXX of XXXX which is not valid. Per my credit history and there company last payment from me was received XXXX during the repossession. I spoke to a customer service rep at the company who stated she would get this item removed from my credit report. However it has not been removed and it has shown open and than closed more than 3 times. I have tried to work with the credit reporting people and sent 3 request to have this removed since the account is from XXXX. However I have been unsuccessful in this process as well. It has caused my credit to fluctuate up and down and I was denied a loan due to this incorrect information on my report. Both my credit report and the company show that my last payment was in XXXX but they are reporting this to the credit bureaus more recent. If the information were to be actually accurate I would owe nothing and the company would actually owe me money per my investigation. 
Can someone please help me

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 2018-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
There is a Cabelas authorized user account appearing on my credit report from XXXX. I have disputed this account numerous times, yet it is still appearing and causing my score to drop by a great deal because the account is a charge off. This account DOES NOT belong to me. This has been going on for over a year. Capital One reported the account as recently as XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with the payoff process at the end of the loan

Complaint:
My personal loan with XXXX XXXX was paid off 3 months ago. My credit report shows an open account with a balance of {$6000.00} and some change. The balance is XXXX  and the account has been closed. I have confirmation fromXXXX XXXX  to that effect. How does this record get taken off outstanding debt?

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 2021-02-10
Company: Risecredit, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I emailed and called Rise Credit XXXX to get them to remove the 30 day delinquency from an already paid off account, they initially saw that they made a mistake and said they would get me their dispute team to their dispute team trying to tell me everything was correct when it was and still is not reporting correctly. I tried to give them a chance to correct their mistake but I wouldnt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been trying to pay my debt off with them for over 2.5 years and every time we come to an agreement, they go ahead and take 2-3 months of payments, either over the phone or on autopay, and then stop. 

When you call them to ask why the payment wasn't debited, as discussed, they say that I can just go ahead and pay using their online portal, which wasn't the original agreement and also never worked. 

They then proceed to tell you that they can no longer accept the original settlement terms, but that they're willing to renegotiate for a new settlement. The " renegotiation '' inevitably ends up being higher, or roughly equal to the original settlement amount, even though I had technically paid down the account for three months based on the former settlement terms -- their reason being that the account has now accrued interest and is out of the settlement terms because of the " delinquent '' payment. 

I have gone through three rounds of renegotiations with them, and each time, the same thing happens. I also get " reassigned '' a new representative for each new settlement, that is totally in the dark about the entire case, which makes no sense. 

This has been one of the most frustrating and frankly, predatory situations that I've ever had to deal with. 

In XX/XX/XXXX, I was contacted by another law firm XXXX XXXX XXXX  ( XXXX XXXX Debt Negotiation Specialist ), claiming that she was retained to resolve a " failed payments '' situation with XXXX XXXX XXXX. Her note said : " We received notice that you have failed on your payments under the settlement. 
Please contact the creditor 's counsel and address this issue or opposing counsel may enter judgment and start collection efforts. '' I then responded to her with proof ( including my bank statement ) that I had paid the settlement terms and that the money was deducted from my account. 

After this, I tried to contact Barclays directly, but they said they couldn't help because the account was already in collections. I tried explaining to them that I had been trying to pay but was not being given the option to, and understandably, they explained that it was no longer their issue. 

Which brings us to XXXX, XXXX. 


We are trying to sell our house and this account is now showing up as Judgement against me in the amount of {$7000.00}. The original debt was {$5700.00}. I have called XXXX XXXX XXXX incessantly to get this situation squared away, but every call leads to being told that I need to be transferred to a different rep, who ultimately ends up " being away from his desk '' or I just get put on hold, at times for over 20 minutes. 

I am truly at a loss here and I am hoping that the CFPB can help bring justice to this situation.

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 2020-09-24
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I opened an account with Transferwise, my credit card was charged with the following charges : XX/XX/2020 TRANSACTION FEE Fees & adjustments {$10.00} XX/XX/2020 TransferwiseCom_USD Personal {$9.00} XX/XX/2020 TransferwiseCom_USD Personal {$51.00} Total Charges {$70.00} I was trying to use the service to send money abroad and I was Told by their customer service representative that the account was closed, I request a full money refund. So far I haven't received any refund, funds or any communication from this company, They decided to keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Radius Global Solutions placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Radius Global Solutions to remove incorrect information off my credit report. More importantly, Radius Global Solutions are in violation of FACTA section 623 ( A ) ( 7 ). 




Balance {$210.00}

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 2018-09-16
Company: Medical Society Business Services, Inc.
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: Old information reappears or never goes away

Complaint:
On XX/XX/2017 I paid off my debt with XXXX XXXX XXXX XXXX/XXXX  over phone. The amount settled on totaled at {$1100.00}. It has been almost a year and the debt has still not dropped off of my credit report. The only information I have is the email receipt I got, with no contact information for XXXX on it. It states it was processed through a company called XXXX XXXX. Due to this issue I was unable to be involved with the purchase of me and my fiancees new home.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX  ) XXXX-XXXX Account was charge off and closed XX/XX/XXXX, Company is now showing new account balance of {$3800.00} of XX/XX/XXXX and also show as open

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 2020-09-24
Company: Lil' Wave Financial, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I'm refinancing my house, my escrow company have requested a payoff from SLS  ; Superior Loan Servicing " which is servicing company that California XXXX XXXX XXXX " private lender '' use to service the loan. 


Escrow and loan officer has been requested for payoff since XX/XX/2020, XXXX is XX/XX/2020, Private lender haven't sign payoff. 

SLS have emailed and calls lender to ask to sign the demand for payoff. But lender refuse and make excuses not to sign the demand for payoff. Lender have call me directly and made offer to keep the loan, I want to payoff the loan. I want to know what can CFPB do for the private lender to sign the demand for payoff so i can payoff this loan. 

my name is XXXX XXXX XXXX XXXX email is : XXXX phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Experian Information Solutions Inc.
State: VA
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 son attended XXXX University 10 years ago for one year which I paid for under a Parent Plus Loan. Someone other than myself signed a Private loan for a second year however several key information items were incorrect in the loan application including misidentifying my wife 's name, email address along with signature dates. The loan application was electronically signed with my son 's name and me as co-borrower. I filed an identity theft report with the XXXX County Police who were unable to investigate as too much time had past between the filling of the complaint and the original loan. I became aware of the loan only after 3 years and six months from granting and paying XXXX University as the loan was in deferment until the forecasted graduation date plus six months. The loan has been in collection for over 7 years ; is now charged off but listed as a charge off against my credit score. As this is the result of ID theft and the creditor failed to establish liability within the statue of limitations in Virginia I have repeatedly ask each of the credit reporting agencies to remove from my record.

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 2018-03-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Yesterday, XX/XX/XXXX, I received a text notice from Wells Fargo that my checking account balance had gone to XXXX  after an unexpected auto-payment from a credit card had posted. 

I went to Wells Fargo 's banking portal to see what had happened to the account, and say that {$160.00} had been auto-transferred from my savings to my checking account, bring the account balance to XXXX AFTER the incoming payment had been paid. 

I manually transferred an ADDITIONAL {$100.00} from checking to savings to bring the account balance up to {$100.00} ( which the account portal reflected, after completion ).

This morning ( XX/XX/XXXX ), I received another XXXX balance message from the bank. I went back to the portal and found that the bank had REDUCED the amount of the overdraft transfer from the previous day by the amount of the manual transfer that I had made, leaving the nominal balance at the end of the day at {$0.00}, despite my actions. 

Then, when an ( expected ) check for {$45.00} came through, they triggered overdraft protection AGAIN ( including an overdraft fee ). 


I spoke to their customer service about this issue, but they refused to waive the overdraft fees from the second day. 

This is predatory behavior, even if the amounts involved are not large. This is functionally equivalent to the charge reordering that banks used to do in the pre-CFPB days : Wells Fargo 's policies and procedures are designed to generate additional overdraft fees. It also means that the transactional activity displayed on their web portal is fictional -- the automatic account transfer shown to have taken place was altered by the bank between the time it was displayed on their banking portal and transactions were applied that evening.

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 2018-03-14
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2018, I sent a letter to XXXX XXXX to have my address updated to my current home, I have asked the company to send me there verification paperwork as to all collection accounts on my credit report and continue not to receive anything from them. If no accurate verification paperwork is presented where I signed please have it deleted off my report. I have asked this for the past seven months and Experian continues to neglect my wishes and keep reporting inaccurate information. XXXX  in less that thirty days complied and with verification deleted every item reported wrongfully on my credit report. AlI I ask is for XXXX XXXX to do the same, evidence will be attached. I can not establish any new credit with all the inaccuracies on 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