BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: LendUp Loans LLC
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:
Lendup promissory note validates account paid in full before XX/XX/2017 XXXX XXXX  XXXX  day late is impossible, though XXXX, XXXX, XXXX  misreport ). Documents validate account never late. Documents show account CLOSED in XXXX not XX/XX/2017 ; therefore, account could not be possibly closed in XXXX. XXXX, XXXX, XXXX  continue to inaccurately report for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had my Wells Fargo account compromised, I received an email alert notifying me of a change of address. I immediately called their service line to report the activity. The rep advised she was restricting access to my account. I later found that she had only restricted the online access to my account and that they had sent checks to an address in Florida so the representative failed to check for any suspicious activity. On my 2nd phone call, the 2nd representative closed my account and then advised they would send me paperwork to open a new account. The paperwork they sent was PREFILLED with all of my personal information including SSN, DOB, etc. Everything someone would need to steal my identity. I couldn't believe a financial institution could be so incredibly careless with my personal information. I have worked in the financial for 5+ years and none of the companies I have worked for would ever be so reckless with their customers.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2021-01-29
Company: MONEY SOURCE, INC., THE
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage and the first payment was due on XX/XX/21. I set up a one time auto payment online with the servicer - TMS, The Money Source which was paid on XX/XX/21. I received a letter that my mortgage was being transferred to a new servicer XXXX XXXX effective XX/XX/21 and was not able to cancel the auto payment to the original servicer. The paperwork sent by TMS said the payment would be transferred by XX/XX/21 to XXXX XXXX. The payment has not been transferred as of XX/XX/21. Ive called TMS multiple times and was assured each time this would be taken care of. The last time I called they gave me a date of XX/XX/21. The payment has not be transferred

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is XXXX XXXX XXXX Credit card account holder # XXXX company name is XXXX XXXX Ring XXXX XXXX. 
I closed that account back in XX/XX/2018 .payment was mad by transferred the balance to another account. Right before the transaction done it was due date, then I paid {$100.00} to avoid late fee until the transferred done. 
I contacted that company more than six times requesting refund for my extra payment of {$100.00}. But never issued by the company. I called today again XX/XX/2018 i was unable to be lucky enough to resolve the refund but instate i was talking to a representative her name was XXXX XXXX she was fully disrespecting me or mu spouse over the phone. two times talking to their supervisors but no progross to get our refund of {$100.00} please help us my Phone number is 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 2023-01-11
Company: EQUIFAX, INC.
State: NC
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown information on my credit report to XXXX, XXXX and Equifax. To this day, over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Frost-Arnett Company
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear mam or Sir, Id got XXXX in XX/XX/2014 at XXXX XXXX XXXX. A few months later I received bill from XXXX XXXX XXXX XXXX XXXX  XXXX. It was {$1900.00}. My insurance company did not pay for that. Because, they said that it was out-of- network for the XXXX.I never know that because nobody explained to me that before XXXX. I think that they were miss communicated each other between operator and hospital.SO, my insurance agency and I was contacted so many times to my doctor who XXXX on me.. Because we needed to know what was going on. But Dr who never responded to us for that. Finally, I received letter from debt collection agency. Also, my credit is got bad score now because of that. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had just received a letter from Portfolio Recovery Associates. Monday XX/XX/2018. The letter is dated from XX/XX/2018. Portfolio Recovery Associates claims that they had sent me a letter requesting additional information pertaining to the account I had disputed. I had not nor ever received a letter from PRA requesting additional information. I do believe that they had made a gross error and hope that they take the time to look into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hello, I would like to report a mistake in my credit profile. Somehow I have accounts that are not mine in my profile. I rechecked couple of times and they are being reported over there. I am writing again, to request that you reinvestigate these accounts, and delete them. I have very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. Its identity theft! 
Please help me and remove these accounts.

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 2020-12-04
Company: Accounts Receivable Inc.
State: WA
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 writing to ACCOUNTS RECEIVABLE agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in XXXX report prevents me from achieving the desired results. 
I am kindly requesting ACCOUNTS RECEIVABLE agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: FORD MOTOR CREDIT CO.
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 status incorrect

Complaint:
I returned an auto lease of a 2013 gray XXXX XXXX to XXXX XXXX or XXXX XXXX now XXXX XXXX ) where i leased it from. There was no damage to the vehicle in any way shape or form and yet they are charging me XXXX for damage. No proof of damage was provided, in fact i purchased another vehicle ( XXXX ) from the same dealership and same salesman as the XXXXr immediately after it was turned in. No mention of damage or money owed was ever mentioned. In fact it was me who notified them of seal issues with the roof and water pouring into the car during all rain fall.this caused rust inside the wheel wells as well as electrical issues. It was the main reason the dealership allowed me to turn in the lease early without any penalty. If this isn't completely removed from my credit i will be filing a civil suit against both the dealership and XXXX XXXX. I have consistently been given the run around regarding this issue. I have also leased and purchased over 7 XXXX vehicles through XXXX XXXX and have never once been accused of wear and tear damage. Unless photos of the damage are provided as proof of the cars condition upon return i will be moving forward with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020. I had an unauthorized transaction with Paypal. I disputed the amount, but Paypal came back saying it was legit. This transaction was not legit. I then appealed the case with Paypal. I was not able to contact Paypal by phone due to the covid 19 pandemic. During the appeal process, I was told by a chat representative my police report was used for the appeal. A couple of days after, another chat representative stated the police report was not used. I mailed out a dispute letter along with my police report for identity theft on XX/XX/2020. Since then, I have not heard anything from Paypal regarding the case. The transaction was not authorized by me, although Paypal continues to ignore my requests. I have attached the transaction, dispute letter which I never got a reply to, and my police report regarding the fraud transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 wrote them twice to remove unknown inquiries that i did not place or get them to send proof and they did not correct or prove proof I never got a response.

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 2018-09-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have student loans that were originally being serviced through Sallie Mae, but are now through Navient. When I entered repayment after my 6 month grace period, I was give inaccurate information about repayment options on more than 1 occasion. Navient consistently told me that the lowest payment plan I could be on was the plan that capped my payments at 20 % of my discretionary income. This was incorrect information as I later found out. There was an income based repayment plan that allowed me to pay 10 % of my discretionary income. As a result, I ended up making extremely high payments for the first 2 years of my repayment. Once I found out ( through my own research ) that I could have lower payments, I switched to that option right away. However, this overpayment drastically impacted every single career decision I've made and has caused me to lose out on the opportunity to benefit from public loan forgiveness after 120 payments. I chose to leave public service because I calculated that I would not benefit from the forgiveness plan given that my monthly payments were so high. I made a decision to try and pay all of my extra income to my loan since I was under the impression that I would not benefit from public loan forgiveness ( my payments were around $ XXXX x 120 months = XXXX, which was higher than my principal balance ). 

Secondly, I decided that I should look for a different position outside of public service so that I could afford my loan payments. If I had been given truthful information from day 1 of my loan repayment, I would have stayed in public service and only had 4 years left before being eligible for forgiveness. I would have had much lower payments so that in the end of my 10 year repayment period, there would be a balance left to forgive on my loans. 

Navient illegally cheated me out of my rights to lower payments, and as a result I will end up having to pay the entire balance out of pocket rather than being able to benefit from public loan forgiveness. I would hope to receive some kind of resolution to this complaint, as it seems like Navient systematically deceived borrows in this manner and are now the subject of a class action law suit. Their practices have forced me to make decisions I would not have otherwise made about my life, where I live, and my career, and have caused huge financial burdens and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I attempted to log into my Fifth Third Bank online banking application but was unable to stating it didn't recognize my credentials. To troubleshoot I followed the steps using the Forgot Username option and was able to log in after getting a code sent to my phone and using my original password. The steps to login using the temp passcode told me that after logging in I would be able to see my username in the settings. Upon checking the settings the username was one that I have never used and would not use due to its easily identifiable nature. 

I attempted to change it back to my previous username after verifying all my other information was correct but got an error stating the username was already in use. I called their help line and after 45+ mins they told me I would just have to choose a new username even though they verified the username I was trying to change it to was my previous username and was not being used anywhere else in their system. 

During the 45 minute call they stated my username had been changed on XX/XX/XXXX but they could not see by whom. They asked me multiple times if I had changed it and I explained I had not. 

I am unsatisfied because they stated they had cleared out the username so I could use the one I previously used for login but when their steps to change it did not work they basically told me too bad, choose a new one. 

My issue other then not being able to use my previous username that I did not change, is that they clearly have no controls over managing security information for clients. They were not able to identify whom made changes, why their steps to correct were not working even though the help line says they could confirm no one was using my username other then me previously, they could follow the steps I as doing in real time following their prescribed process to correct the username.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company is reporting to three major credit bureaus that I owe money for a phone company that I have never been associated with. I want them to remove this collection from my credit reports and stop attempting to collect on something that I do not owe. I have not attempted to contact the company because they just want me to provide personal information so that they can pad their file with the information I provide them as if they already had it.

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 2021-05-21
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have previously submitted 5 complaints to the CFPB about Wells Fargo Bank. My identity theft caused by Wells Fargo. Deceptive, misleading, and untruthful statements by Wells Fargo. My ongoing investigation has now been moved to the end of XXXX. I have investigator number 15. The has been zero resolution to my case. I have not seen my money returned. Wells Fargo is not helping me. I have never heard back from anyone as to what I should do now. As I researched my problems with Wells Fargo. I see there are 1000s of people experiencing the same issues as me. What am I supposed to do to get this fixed. My emails are still hacked i don't even know if anyone is trying to help me. 
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 2018-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Bought shirt online. Returned shirt. Never properly credited. Late fees on an amount I did not owe went up to {$280.00} from {$30.00}. I never owed them anything. Transunion refusing to remove from 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 explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
A computer glitch that was Transunions problem, not mine has caused inquiries to be deleted from my credit report which they later placed back on my report without a legal 5 day written notice. I contacted Transunion in good faith to ask that they delete what was re-added they chose a few to delete. These inquiries that I did n't authorize are causing a hardship and my rights were violated.

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 2019-11-13
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A joint vehicle loan was paid off on full as a trade in by the XXXX main account holder in XX/XX/XXXX. I had filed bankruptcy in XX/XX/XXXX and it was closed on XX/XX/XXXX. The credit reporting agencies report has incorrect info as it being included in Bankruptcy and a last activity year of XXXX. I have disputed this multiple times with no correction.

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 2021-01-29
Company: General Motors Financial Company, 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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2019, XXXX XXXX, XXXX Inquiry : XXXX XXXX, 2019, GM FINANCIAL Inquiry : XXXX. XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation