BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-04
Company: AES/PHEAA
State: NY
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:
After viewing my credit report I found late payments that I would like to remove from my credit report. I have made notification that late payment pertaining to this account is inaccurate and violates 15 USC 1681s-2 ( a ) ( 1 ) ( 8 ). This violates my rights as a consumer. Please remove the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: WA
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:
Loan 1 : XX/XX/XXXX Promissory Note Amount {$990.00} Loan 2 : XX/XX/XXXX Promissory Note Amount {$1500.00} Received {$500.00} Cancelled {$1000.00} Total amount received for both loans {$1400.00} ( {$990.00} + {$500.00} ) While I was in school at XXXX XXXX University monthly payments were taken out of my mother 's pay checks from our credit union, XXXX XXXX XXXX XXXX. On the tax statement provided by them on XX/XX/XXXX both loans show a balance of {$0.00} and state LOAN PAID IN FULL. I no longer owed on these two Federal Student Stafford Loans. 

Upon graduating from XXXX XXXX XXXX University in XXXX, I was sent a Stafford Repayment Obligation from XXXX XXXX XXXX dated XX/XX/XXXX. This document states that one of my student loans was in forbearance starting XX/XX/XXXX, ending on XX/XX/XXXX. The loan they are referring to was one of two loans I received while attending XXXX. That information is correct. However, listed on the first page of this repayment obligation are not only the two loans from XXXX  XXXX   XXXX University but also the two previously paid off loans from when I attended XXXX XXXX University. These loans also show the {$1000.00} that was cancelled from the second loan where I only received {$500.00}. This is incorrect. As I stated above, these two loans were paid in full. 
Please see attached documents as proof of the loans being fulfilled. 

XX/XX/XXXX - I received from my current employer a copy of a document that was sent to them titled UNITED STATES GOVERNMENT WAGE GARNISHMENT ORDER ( XXXX ). The total amount said that I owe the federal government is {$18000.00}. Prior to this notice I had received mail at my home threatening to garnish my wages. I responded to this by mail and also tried to object by phone. The help I have received to stop my wages from being garnished and also to address my first two loans which were paid in full is NONE. I have exhausted my options at this level.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a company on my credit report call MBA Law that portrays themself as a law office collecting a debt. However, one I never received any correspondence from them about this. Number two I never gave anyone any permission to sell my information to anyone to harass me about money. I did not sign any paperwork with this company so I know they have no signature on file for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Why won't TransUnion stop playing semantics? The attached ID is more than enough ID and is what was previously provided to them. They don't actually read their letters and need to check their XXXX machines that read the letters before it gets them sued. SEE ATTACHED.

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 2018-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I open the an Bank of America Credit Card in XX/XX/XXXX. In XX/XX/XXXX, during the great recession my account was closed and charged of XX/XX/XXXX. XX/XX/XXXX, bank of America States they sold the account to XXXX XXXX. However, I have received notices from four different agencies disguising different creditors as the debt collector. Nevertheless, I am disputing the validity of this debt. I know longer owe this amount to original creditor or its affliates. This information has damaged my representation and financial risk in finding employment and living arrangements. I submitted a previous complaint dealing with XXXX XXXX XXXX and MBNA. These are a few of the know debt collectors using my information as tactics to defame my consumer 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 2021-06-09
Company: Experian Information Solutions Inc.
State: MS
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:
The monthly payment for this account of {$580.00} was paid on XX/XX/2021. The due date is the XXXX of each month. This payment was made at approximately XXXX. 

Once the payment was processed, XXXX listed the date as XX/XX/2021 on the confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my ( the co-signer 's ) credit report files with Experian, XXXX, and XXXX. 

This incorrect information caused my credit scores to drop drastically ( WITH ALL 3 BUREAUS ) and has had NEGAVTIVE impacts my credit scores.

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 2018-03-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
All three credit reporting bureaus allowed XXXX XXXX XXXX to access my credit report unknowingly and without my consent, for the purpose of collecting on a debt that was for the corporate account and clearly not a personal debt nor personal obligation. To this day it has damage my credit and my ability to obtain new financing. I believe this is a scare tactic and their way of threatening me to get me to pay! Either way the client that he represents never completed the job, so theres no need for the attorney to do all that. He can simply have his contactor come back complete the job and get paid in full! It was absolutely no reason to put this on my credit report and start making hard inquiries on my credit report and damaging my personal credit report all for this! Theres clearly more professional way to handle business matters and this was a business matter once again not a personal 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 2018-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 was going into forbearance in XX/XX/2014 when my XXXX account was sold to XXXX. XXXX busted my account into 8 different accounts. While XXXX was setting up my account in the first couple of months I was trying to get the forbearance through them started. In the interim they charged me with 3 months of late payments. That I have disputed with them and they deny it. 

Secondly and the most harmful to me is that they not only have hit my credit report with late payments for those months but multiply that by 8.  Yes, for each individual loan under the one XXXX account, XXXX reported a late payment for 8 sub-accounts for 3months for a total of 24 missed payments. This has destroyed my credit. I have complained to all credit reporting agencies and XXXX. Result was XXXX told them their reporting was accurate and my credit reports show that I disputed and disagree with the results. The 24 missed payments stand. Not fair reporting, in my opinion. At the most it should be 3 missed payments, not 24. And really, there shouldn't be any missed payments since my forbearance was in transition from XXXX to XXXX. Not my fault!!! 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 2019-03-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a Home Equity Line of Credit serviced by Wells Fargo under account XXXX XXXX XXXX. 
While I was refinancing another property, due to a recording error on the HELOC note, my title company sent to Wells Fargo in mid XX/XX/XXXX a request to close the line of credit. I received notification by Wells Fargo of this request end of XXXX. I immediately notified Wells Fargo and the title company of the error by phone and fax. The recording error was fixed and the title company notified Wells Fargo that the closing request was made in error withing a week. 
Since then, my HELOC is still frozen. I have contacted Wells Fargo multiple times by phone and sent two other faxes at the number they provided me. 
Now, almost two months later, my HELOC is still frozen despite the fact that Wells Fargo admitted that the request from the title company to close the HELOC was voided anyway as over a month old. 
I escalated the issue to Wells Fargo line of credit executive office, but after over 2 weeks of 'research ' they answered that they need another 2 weeks to complete more research. 

To summarize : Wells Fargo is still keeping my line of credit frozen after receiving a request that : - was sent by a third party without my approval, and WF was notified by me in writing and phone immediately that I did not authorized it ; - the third party confirmed to WF that it was sent in error ; - the request is over a month old and voided anyway Wells Fargo is still refusing to reopen this line of credit, creating a financial problem to me that will escalate in additional cost and penalty on other short term liabilities that could not been satisfied due to the lack of access to this HELOC.

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 2020-05-07
Company: ENCORE CAPITAL GROUP INC.
State: UT
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:
Midland Funding XXXX This is past the statute in Utah and should no longer be reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: WELLS FARGO & COMPANY
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 tried to apply for a credit card at Wells Fargo but was told I can not receive a credit card because I already have accounts with Wells Fargo that were not paid as agreed. This however is not true because I have never had a credit card with any back or company ever. I believe it to be that someone has open accounts under my name or social security number which are not allowing me to apply for a credit card.

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 2018-09-07
Company: EQUIFAX, INC.
State: MS
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 was going into forbearance in XX/XX/2014 when my XXXX account was sold to XXXX. XXXX busted my account into 8 different accounts. While XXXX was setting up my account in the first couple of months I was trying to get the forbearance through them started. In the interim they charged me with 3 months of late payments. That I have disputed with them and they deny it. 

Secondly and the most harmful to me is that they not only have hit my credit report with late payments for those months but multiply that by 8.  Yes, for each individual loan under the one XXXX account, XXXX reported a late payment for 8 sub-accounts for 3months for a total of 24 missed payments. This has destroyed my credit. I have complained to all credit reporting agencies and XXXX. Result was XXXX told them their reporting was accurate and my credit reports show that I disputed and disagree with the results. The 24 missed payments stand. Not fair reporting, in my opinion. At the most it should be 3 missed payments, not 24. And really, there shouldn't be any missed payments since my forbearance was in transition from XXXX to XXXX. Not my fault!!! Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: G. Reynolds Sims & Associates, P. C.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On or about XX/XX/XXXX. G Reynolds Sims & associates, P.C., XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) et al, filed or caused to be filed a debt collection lawsuit using the name XXXX , XXXX as plaintiff in the XXXX district court of Michigan. 
G.Reynolds Sims & associates, P.C. attempted garnishments of this consumer 's state of Michigan tax returns for several years following judgement issued in favor of XXXX , XXXX by the XXXX XXXX   district court. Additional facts are as follows : 1. XXXX XXXX was divested of all its assets in a bankruptcy in XXXX. See public records 2. G. Reynolds Sims & associates, P.C. continues to put itself forth as a collection agency located within the territorial bounds of the state of Michigan. See attached screenshots 3. A search of the Michigan department of licensing and regulatory affairs occupational licensing database does not show results for G. REYNOLDS SIMS & ASSOCIATES, PC as licensed collection agency in Michigan. See attached screenshots 4. Licensing/ unlicensed status confirmation requests are sent to the Michigan department of licensing and regulatory affairs. Response pending 5. G.Reynolds Sims & Associates PC was without an assignment of debt from the alleged original creditor either to G. Reynolds Sims & Associates, P.C or the alleged plaintiff XXXX , XXXX ( court documents available on request ) 6. An attorney associated with G.Reynolds Sims & Associates, P.C filed the only affidavit in the XXXX XXXX action of XXXX claiming knowledge of XXXX XXXXs business records in spite of XXXX XXXX never having a custodian of records. 
See attached affidavit and public bankruptcy filings concerning the XXXX XXXX bankruptcy. 
7. G.Reynolds Sims & Associates, P.C still continues to act as a collection agency to this day. See attached 8. Collateral CFPB complaints against XXXX , XXXX and XXXX XXXX XXXX XXXX XXXX have been filed. See attached screenshots for complaint ID numbers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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 recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. 

XXXX XXXX XXXX {$150.00} XXXX  XXXX {$84.00} XXXX XXXX  XXXX {$180.00}

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 2019-04-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have filed a dispute twice within the last 8 months for an account I have paid. I give Equifax the time to check into the dispute. I will get a response sent to my personal email that the dispute ( XXXX ) has been completed. I click on the link to check the status of the dispute and their system always comes back with an " unable to utilize system or system down '' no matter what time of day or even the days that I try and check. This has been going on since receiving the notice XX/XX/2019. The notice states the I only have 30 days to check per the link. 
This is the second such type dispute and I really get nowhere. I get tired of seeing that the dispute has been completed but can not get no type of answer or see what actually has be investigated against my dispute. I just really am tired of such a larger Credit reporting bureau having such power over me as a consumer trying to utilize their " Sorry '' service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
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 recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. 

XXXX XXXX XXXX {$150.00} XXXX XXXX {$84.00} XXXX XXXX  XXXX {$180.00}

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 2019-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I successfully applied to refinance my spouse 's vehicle with Captial One. The company specified that I should continue to make payments with the previous lender as they process the pay off amount with them. The agreement also specified that the payoff amount may change depending on certain factors. We completed our last payment of {$300.00} with the previous company and Capital One provided them with a check for the pay off amount of {$7900.00} according to our statement records. 

Currently our balance with Capital One is {$8200.00}. It seems our last payment with the previous lender was NOT applied to the loan. 

I have contacted Capital One and the representative tried to tell me we should be receiving a refund from the previous lender. However, the previous lender says this is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/19 on a Saturday afternoon. I went on a mission to buy a bed frame but when I realized I wasn't given what I wanted I returned it the same day. The lady who was there told me no she wouldn't do it because her card machine was broken but was so quick to take my money. So I called my bank to dispute it after I looked online on how to do it. I read over what my options were and put it as a dispute of fraud. My bank said that is my fault if I can't get a hold of the store owner. I have written a letter t the store because there are limited options to get a hold of the owner. I feel as no one is taking me seriously because I am an adult. Even my own bank won't help but instead sending letters back to back saying I must pay this now. When I WENT SPOKE TO SOMEONE FOR ADVICE JUST FOR NAVY FEDERAL TO SAY NO WE CAN'T DO ANYTHING FOR YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are incorrectly reporting me 120 days late on the XXXX - partial account number XXXX and XXXX  - partial account number XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. This negative reporting is harming my credit score. It is impossible to be 120 days late on an account with a {$0.00} balance and {$0.00} past due.

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 2021-01-20
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 am disputing XXXX account # XXXX due to the fact that it is being reported inaccurately : as highlighted in the attached, the last OK status is reported as XX/XX/XXXX which doesnt tie into the date closed reported as XX/XX/XXXX. 
Please investigate and delete this inaccurate disputed 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