BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
To Whom it may concern, I received copies of what appear to be front pages of a XXXX XXXX account from XX/XX/XXXX, XXXX that apparently was mailed to XXXX XXXX XXXX XXXX KS per statements and per letter attached final letter mailed to XXXX XXXX XXXX XXXX ( no unit # ) on XX/XX/XXXX as validation of a debt that I have filed with all 3 credit agencies with no resolution. This is my 1st time seeing this information and have disputed these acct with XXXX over 5 times and each credit agent tells me the same thing that the account was verified with them. So I'm now requesting help from the CFPB as this is clearly an account that is not mine and clearly has been omitted due to the inconsistency in numbers and information on the bill I received. To further prove this is not my account I have attached some old documents I had showing that I have not lived in the state of XXXX since XXXX. I Moved to XXXX in late XXXX of XXXX staying with a friend in XXXX XXXX and moving to my own place in XXXX XXXX in which I lived until I moved to XXXX XXXX XXXXXX/XX/XXXX for work and presently live here in XXXX XXXX  as of today. My 1st time visiting XXXX  since I left due to a mess divorce was XX/XX/XXXX for my brother wedding in which I did not stay long if that says anything about me missing nor returning to XXXX for anything. I'm currently in the process of buying a home and this agency has caused a lot of stress and currently preventing me from moving forward due to an acct that I have no knowledge of nor was I at the address listed during this time frame. 

Thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Experian Information Solutions Inc.
State: MA
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 am writing to dispute XXXX XXXX XXXX XXXX on my credit report. The Highest balance listed on the account is incorrect. Please delete the account.

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 2018-12-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by buying tickets from someone who knows how to work the XXXX system easily and my bank had 0 concern to correct this. This happened on XX/XX/18 at XXXX and I called the bank at XXXX to cancel the transaction- and they said there was nothing they could do. But to start from the beginning I transferred to a guy through XXXX. I use Wells Fargo, he uses XXXX XXXX XXXX. He gave me his name, email address and phone number ( which I have ). He said this was the service he was most comfortable with and we all could trust it since it was through the bank. Since I havent used it before and he gave me all the details and sounded like a decent gentleman, I wasnt that concerned with it. The transfer went through while I was on the phone with him. He said he was sending an email and then the call dropped and when I tried to call back I go no answer- so no tickets or anything. I was sure I could cancel thetransfet since it just went through but That wasnt the case. I called Wells Fargo and spoke to a number of ppl which led me to a lady named XXXX a supervisor over the fraud dept. went through all the infor for over an hour again and she said she had to look into it a little more and she would give me a call back that night. She never did, so the next day I called and went through the same process and this time they gave me XXXX XXXX, who was repeating the same thing over and over about why I shouldnt have done it- which I already knew. They had 0 concern for this guy that was scamming others nor do they keep track of when ppl call in regarding scammers. I found out this guy banks with XXXX  XXXX XXXX I filed a police report. And sounds like no one has any respect or concern for the issue. The way I was treated at Wells Fargo was shocking- I know this wasnt my smartest move but Ive banked with them for years and they dont hold any credibility over not warning us the charge will not be pending, and that have a system they are in network with that is perfect set up for scammers to defraud their clients and they have no regard for it they said I probably will not see that money again. Costumer service wasnt very good, it almost makes me want to change banks.

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 2018-08-02
Company: Credit Plus Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
This business used my information without my knowledge or approval. This credit check was not authorized. This has damage my credit and my bank, of over 40 years has stopped all my credit because of these erroneous inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 just checked my XXXX  credit report and have found a couple of unauthorized inquires I would like removed ASAP. I respect accurate reporting and need these inquiries removed per FCRA standards. 

Inquiries to remove are as follows : XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CAP ONE NA Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX XXXX XXXX XXXX Weltmem Weinberg & reis filed a lawsuit against me for a debt that was open by someone in XXXX/XXXX/XXXX when i was only XXXX years old. Also I have a Bankruptcy that the Plaintiff has admit. they were aware of that was filed in XXXX and discharge in XXXX they never notify by mail or phone call also\ they got a default judgment against me in stated garnishing my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Rocket Mortgage, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
This business used my information without my knowledge or approval. This credit check was not authorized. This has damage my credit and my bank, of over 40 years has stopped all my credit because of these erroneous inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Kept receiving phone calls regarding my student loans and possible loan forgiveness. The calls kept coming from a XXXX XXXX at : XXXX, XXXX with a callback number of : XXXX I called them back on XX/XX/20 and spoke with someone named XXXX XXXX XXXX XXXX ) He said he was a student loan forgiveness consultant, for a Revised Pay as You Earn Program by the Dept of Education and could provide complete loan forgiveness options after 4 monthly payments of {$240.00}, then it would be a XXXX balance monthly for loan forgiveness. 
He logged into my Navient acct and provided me a temp password and gave incorrect loan info ( I have since changed my password on Navient ) He knew my social security number, and other identifying information which was concerning, I never provided it, however I did confirm that it was correct. 
I asked for a website to reference, and he gave the something called XXXX ( which is now an invalid url ) Told him I'd look into it and call back in a couple days ' time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: AES/PHEAA
State: CA
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:
In XX/XX/XXXX my loan servicer, XXXX, sold my loan to XXXX. At the same time I applied for PSLF. At that time I met ( and still meet ) all the requirements for PSLF - 1 ) I have been a XXXX for nearly 10 years, 2 ) I  had a direct loan 3 ) I have been in an income-driven repayment plan and 4 ) I have worked for a qualifying employer - XXXX/XXXX XXXX   with a XXXX XXXX XXXX. 

XX/XX/XXXX/XX/XX/XXXX, I was notified by XXXX that I had 0 qualifying payments. 

XX/XX/XXXX, I contacted XXXX to review payment tracking and request manual review of qualifying payments. I was informed that the manual review process would take up to 6 months. 

XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX to inquire why I had not received information regarding the outcome of the manual review of qualifying payments. At the time I spoke with both representatives as well as a supervisor. I continued to be told that they were " backlogged '' and that I would have to wait. 

XX/XX/XXXX, I contacted CFPB to understand the complain process and file an online complaint. I contacted XXXX again to obtain the status of my qualifying payments review and verify history of my correspondence. 


I have been waiting nearly 1 year and XXXX has still not completed or accurately reflected the number of qualifying payments I have towards PSLF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21
Company: Neighborhood Capital Funding, Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I purchased my condo threw habitat for humanity about 10 years ago. Habitat  sold my mortgage to a company called affiliate mortgage services on XX/XX/2020. As a 5 unit condo in Florida our association never required us to have a HO6 policy. The new lender is now requiring it. XX/XX/XXXX I received my first letter informing me to purchase ho6 ins and the second letter was XX/XX/XXXX. I purchased HO6 insurance on XX/XX/XXXX and provided it to AMS. Affiliate mortgage services is stating I owe them for the months of XXXX, XXXX, and XXXX. I have requested a copy of the policy and a canceled check proving I have forced placed insurance in place and I have not received any formal documentation other than a statement saying I owe them money. Also Id like to add ho6 insurance is not required in the state of Florida, it was not required by the previous lender and was not required by the condo association. As none of the 5 units have had ho6 in the past 10 years. I feel like this company is doing this to every homeowner in the keys as they have purchased all of habitat for humanitys mortgages. Thats thousands of homes and homeowners they are doing this to, not to mention we were on a stay at home order in XXXX. I think this company is trying to make a ton of money on unsuspecting people who were never required to even have this type of coverage. I would appreciate any help you could give. Thank you.

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 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
All THREE Credit Reporting Bureaus- XXXX  , TransUnion and XXXX are FALSELY reporting an Unverifiable Bankruptcy that has been REMOVED from my XXXX XXXX XXXX  by XXXX XXXX since XX/XX/XXXX. 

I have disputed the Bankruptcy Report several times with ALL 3 Bureaus to NO AVAIL.It is Fraudulent Reporting. 

I have submitted the Removal VERIFIED BY XXXX XXXX DATED XX/XX/XXXX TO all 3 Credit Reporting Bureaus. 
I have a copy of my XXXX XXXX XXXX XXXX Dated XX/XX/XXXX. 

All Three Bureaus Refuse to remove the Bankruptcy stating it has been Verified by XXXX XXXX. 
NONE OF THE CREDIT BUREAUS HAS REQUESTED A RISK VIEW REPORT UPDATE IN MORE THAN 22 MONTHS AS REPORTED TO ME BY XXXX XXXX. 

I was denied an Automobile Loan in XX/XX/XXXX because of the bankruptcy. 

Further All 3 Bureaus indicate my 'oldest ' credit account is 4 years old ... I have credit cards that are 8-12 years old and perfect credit.

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 2018-02-25
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:
XXXX XXXX XXXX SSN # : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Dear : TRANSUNION, XXXX AND XXXX I am writing to dispute the following information that appears on my [ XXXX or XXXX or TransUnion ] consumer report : Dispute : " XXXX   XXXX  XXXX XXXX " File Number : XXXX " I don't recognize the accounts in question. 
" I'VE BEEN MADE AWARE OF SAME NAME REPORTING " I HAVE NO KNOWELDGE OFNTHIS ACCOUNT Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: CURO Intermediate Holdings
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im not sure about the date but speedy cash making my credit bad they deleted it for my XXXX  not the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: EQUIFAX, 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:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Equifax XXXX   Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry on my file unless i have approved it. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiries : XXXX XXXX, XXXX, XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Midwest Recovery Systems
State: TX
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 received a notice on my credit report on XXXX pertaining to an unpaid loan in which I have never heard of. The agent did not identify themselves and did not validate the debt. The agent told me that I obtained a loan in XXXX or XXXX and never paid the loan. I have never heard of the loan and I have never received any notice of this alleged loan in over 6 years before it was placed on my credit. The agent told me to give him money for the loan and they would remove from my credit. He was not able to validate my address as I have lived in the same area for more than five years. He told me would send me a fraud confirmation letter would be sent to me to complete and send back to the agent. He then disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I was a victim of identity theft. Someone filed a tax return using my social security number. I went through the process of notifying and putting alerts on my credit reports. I then attempted to log into a previously established Experian account and was unable to due to the fact I could not validate an email address associated with my social security number. Not until I became an " paying '' member was I transferred to their fraud department and once there I had to answer multiply questions to validate my identity. Once my identify was established they provided me with the email address which I then told them was bogus. Someone had created an Experian account using my social security number and I 'm assuming they ran a credit report and were able to see all my information. The bogus account was established on XX/XX/XXXX. I attempted to file my tax return on XX/XX/XXXX and was informed by the IRS that a XX/XX/XXXX Tax Return had already been submitted and I 'm assuming paid out using my social security number. I was able to get Experian to put a lock on the bogus account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-12
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:
On XX/XX/2018 we submitted a form to surrender our XXXX XXXX.

On XX/XX/2018 the vehicle was picked up.

On XX/XX/2018 the vehicle was sold for {$19000.00} leaving a balance of {$8000.00}.

On XX/XX/2018 we paid a payment of {$250.00} We cancelled gap and some other extras which brought the balance down further.

We made {$400.00} in payments XXXX & XXXX. we are currently set for 3 more months of {$200.00} payments. Towards the balance.

Today XXXX marked on our credit that this account is in charge-off and that weve failed to pay. Which from the above information WE HAVE NOT.

On XX/XX/XXXX the balance will be {$6800.00} as another payment is scheduled to draft from our account.

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 2018-08-02
Company: Credit Bureau Collection Services, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CREDIT BUREAU COLLECTION SERVICE , INC KEPT CALLING MY CELL NO.XXXX, SKIP TRACING FOR FAMILY MEMBERS 13 TIMES ON MY CELL OVER THE PAST 7 MONTHS. ( SEE SCREENSHOT PHOTOS ). ALSO, TOLD THEM IN XX/XX/2018 THAT MY NUMBER WAS IN THE INDIANAS DON'T CALL REGISTRY, BUT KEPT CALLING. THEY HAVE VIOLATED THE FDCPA AND TCPA.

Company response to consumer: Closed with non-monetary relief