BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-09
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: Investigation took more than 30 days

Complaint:
This relates to on going complaints/investigations currently underway. As of recent,  XXXX  reports  XXXX  of  XXXX  student loans I had co-signed for was a " charge off ''. This was not even a factor before I began my complaint against them. This loan was never in  " Charge Of f ''. In fact I have recently ( see attached ) recieved a letter from  XXXX   XXXX   (  affiliated with  XXXX  ) congratulating me on paying off my loans with them. This orginal complaint concerned purported " missed payments '' alleged by  XXXX  concerning me and my Daughter,  XXXX   XXXX   XXXX . We steadfastly deny such " missed payments ''. More than this, if indeed such payments were " missed ''  XXXX  reports this  XXXX  times concerning a single loan. Originally  XXXX   XXXX  checks had been issued by  XXXX  for a single school years and concerning the same time period. This does not constitute  XXXX  loans let alone  XXXX  loans late all at the same time. And at no time had any of these loans been in  " Charge off Status ''.    To date,  XXXX , has exceeded sisty days to provide copies of original documentation as demanded. Additionally,  XXXX  has failed to provide documentation to support claims that " missed payments '' had been made by mhy daughter or myself.

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 2017-06-09
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX  is not open it is closed so this information is wrong please delete from 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
Consumer complaint received 2020-03-02
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC System Inc is reporting a debt on my XXXX credit report that I have no knowledge of. Furthermore, this company hasn't even sent me a written notification of the 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 2022-09-14
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 non-monetary relief
Consumer complaint received 2021-11-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I used my XXXX card to purchase a large set of shelves online. The shelves arrived defective, I made many attempts directly with the merchant to return the shelves or get a replacement without any progress. I filed dispute # XXXX on XX/XX/2021 with Wells Fargo hoping the merchant would respond. The merchant did not respond to Wells Fargo for return or replacement info concerning my purchase. I have made many calls to my CC Wells Fargo to ask status on the dispute and all they do is followup. 

Per the terms of my credit card the merchant has 45 days to respond to a claim, as of today it is now 55 days and Wells Fargo has not received any info from the merchant. At 45 days after my claim, on XX/XX/2021, the claim should have closed and credit permanently issued to my account. My claim is being mishandled by Wells Fargo. 

See attached to confirm all info above.

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 2020-03-02
Company: Experian Information Solutions Inc.
State: SC
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:
says its been removed months ago, yet still on my credit, have police report as well Account # : XXXX Opened : XX/XX/2019 Balance : {$4800.00}

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 non-monetary relief
Consumer complaint received 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
says its been removed months ago, yet still on my credit, have police report as well Account # : XXXX Opened : XX/XX/2019 Balance : {$4800.00}

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 2022-04-05
Company: Experian Information Solutions Inc.
State: NJ
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX BANK 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 non-monetary relief
Consumer complaint received 2017-06-09
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland c redit management is trying to collect on a debt they bought from  XXXX . I h ave sent 2 certified letters to midland asking them to provide proof that this debt is valid proof being a c ontract bearing my signature ( which does not exist ) each and every time midland sends me a letter stating the debt is valid which it is not as  you recall Midland h as previously been found to be illegally collecting on debt that the consumer does not owe on. This again is the case here. Perhaps if they spent more time investigating these items instead of looking for instant profits they would do themselves a great service. As of today I have not been provided me with a contract bearing my signature which is the only form of validation acceptable under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: LA
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:
In accordance with theFair Credit Reporting and XXXX Account # XXXX. has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. Account # XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX Bank. XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On  XXXX   XXXX ,2017, I received a call from a company that did not disclose their name who said that I owed money to a credit card company. They said that if I did not contact them to resolve it, it would affect employment, assets and/or bank accounts. This matter has been resolved through the legitimate company and HSBC Bank and is no longer owed. They told me when I called them that they will see me in court and said I better have proof of my payment. I am worried that they will continue to harass me for this bill. This is the second fraudulent company trying to collect on this bill. I think they are just passing my information around to different people and that worries me. The number they called me from is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2021 I loaded {$300.00} onto my card. I went to the gas station and used {$40.00} for gas. I went to pick up my son and get something to eat. As I tried to purchase food my card was declined. I called the bank and they told me I would have to wait until after the holidays so they can see what was posted. Three separate transactions ranging from {$30.00}, {$150.00}, and {$200.00} were charged and overdrawn my account. All start with XXXX XXXX XXXX. The bank told me it was sporting event tickets. I dont go anywhere. I didn't make these purchases and I want my money back. I can't pay some of my bills because some XXXX decided to mess with my money. I have screenshots of said withdrawals.

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 2020-03-02
Company: PENTAGON FEDERAL CREDIT UNION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is the message I sent to Pentagon Federal Credit Union XX/XX/XXXX : Hello PFCU I'm being charged fees for using ATM listed on your website as surcharge free and the ATM in D.C. that utilizes an XXXX  system. So I would like all my fees returned because these charges are incorrect according to your ( PFCU ) policy. Pentagon FCU has been charging me incorrect fees for ATM usage. These ATM fall under the guidelines PFCU. Also I was told by a PFCU representative on XX/XX/XXXX that if I use an ATM that has an XXXX   System I would not be charged any fees.

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 2020-03-02
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I deposited a check I received for the purchase of my sofa. The person purchasing the sofa asked me to pay the mover 's once the check cleared, so once I saw the funds in my account, I contacted them and sent the funds to who they said were the movers. The check appeared to be a cashier 's check and it was out of state from Georgia. Navy Federal put a hold on the check for two days and then released the money into my account, but did not verify with XXXX if the cashier 's check was legitimate. Well, this morning that check bounced and they are holding me responsible for this. My account is in the negative {$1500.00}, I have to pay my rent and be responsible for the charges affiliated with this transaction. Why would they release the funds before confirming if the out of state check was good? I don't have money like that. I am a single parent and given that they are the bank experts, I would think that they would do their due diligence to protect me and them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hunt and Enriques harassed me with threats of a lawsuit from a debt from 2014. They even coerced me into sending them a " payment. '' It was n't until I sent in a response to the court to fight the lawsuit that they finally stopped the letters threatening to sue. Over the course of 2 weeks, they sent someone daily to attempt to " serve '' me, but I was never at home, but my wife was. This guy would sit outside our house for hours waiting for someone to come in and out, my wife was really scared and felt threatened. I have all the proof of the letters and all the work I had to put in at the court to file a response with the court after multiple attempts and months of work to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One offered me to participate in a 90 day hardship program which didnt require me to make payments for 3 months. However I continued to receive calls about my payments being late. Capital One reviewed my case and found an error in the phone call describing the program. Although they found errors in the call with the representative, confirmed I received incorrect information, and updated my payment amountthey would not remove late payments on my credit report. Ive has this card 16 years and would not intentionally pay late if I didnt believe I was in a program that allowed me to skip payments for a period of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian has been insufficient in upholding the law. I have been disputing with the company XXXX XXXX since XX/XX/XXXX. <P/>I have requested that the company provide VALIDATION and VERIFY the account. It was NEVER done. <P/>Each dispute the company said " we need more information from the consumer '' ( see attached. ) Each dispute, re started the clock, which is AGAINST the law. <P/>I am attempting to buy a home and get a JOB, w/ a Security Clearance. <P/>Are there NO managers supervisors at Experian that looks personally at accounts and say, " this account was in dispute since XXXX, the company is n't following the law therefore we can not continue to keep this on the consumer 's credit? '' This account should have been REMOVED when the company came back with unverified information. <P/><P/>2ndly, I have two hard inquiries from XXXX and XXXX. I did NOT authorize the XXXX inquiry. <P/>I was told to put the block on my account to prevent more unauthorized inquires. NONETHELESS, I call reps and they REFUSE to remove an unauthorized inquiry. <P/>The XXXX XX/XX/XXXX and the XXXX inquiry should be removed. <P/>The other unverified, invalidated item on my report is from XXXX. the company did not Follow LAW. I was not told of this account or allowed to dispute it. <P/>Experian has my dispute, the companies apology and has still NOT removed. the account. <P/>I called Experian to tell them that there was an inaccurate payment history on my XXXX XXXX account. It showed 90 days past due XX/XX/XXXX. This was untrue because I was in forbearance. <P/>Attached is my payment history prior to my phone call to Experian and after my phone call to Experian. the 90 day late, with the history I sent was corrected ; however my credit history was removed. <P/>update my credit history.

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 2020-03-02
Company: Jon Barry and Associates, 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: Account status incorrect

Complaint:
On XX/XX/XXXX I paid debt in the amount of {$170.00} in full. Paragon revenue group in XXXX XXXX XXXX  in XXXX nc. stated it would be removed from all 3 credit bureaus in two to 4 weeks. Or 30 days, however in some cases it can take up to 45. It is XX/XX/XXXX. 4 months later and the payoff is not reflecting. The debt still shows open and reporting to the 3 bureaus. When I called them back I had to leave a message on Friday, XX/XX/XXXX at XXXX et because I was told the collections ladies were not available. I received a call on Monday XXXX XXXXand but had missed it and called back. I stated I missed a call and the man said hold on and transferred me. A lady then picked up and harshly said hello and argued with me for a couple minutes about how I had told her she had the wrong number. I did not have this conversation since she repeated the number she dialed back to me and it was indeed wrong. She then proceeded to state it's up to the credit bureaus to remove the negative reporting and they had requested it once and sometimes it takes many requests to have it removed. Paragon has a due diligence to ensure this is removed from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: M&T BANK CORPORATION
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Made scheduled payments according to agreement but now Bank saying I missed payments last year. I have Bank statements but the say I need cancelled checks. I tried to explain I have a checkless checking account so there are no cancelled checks. They accepted a  XXXX  payment in  XXXX  and the I sent  XXXX  in  XXXX  that they refused. I have had this problem several times before and always look for a way to come to a settlement in which I end up paying thousands of dollars upfront and large payments following months. Then once I 've satisfied my agreement they come up with something new. I can provide more indepth detail about events over the last few years if needed. I feel the Bank is doing this to me intentionally and I feel it 's based on discrimination and wonder how many other  XXXX  Americans are having/have had the same problem. If I had missed payments the way was the  XXXX  not applied to that rather than to the current month s (   XXXX ,  XXXX , &  XXXX   ). I  forgot to mention that they refused payments back i n (   XXXX ,  XXXX , &  XXXX  ) of    2016. Th ey refuse all these payments and then require me to pay them all in a lump sum upfront payment. I 'm not a wealthy person and a single parent who basically lives paycheck to paycheck. I need to know if I ha ve a legal avenue to file a  class action suit or what can I do to stop this type of recurrent action. Why did they accept my  XXXX  payment in  XXXX  and then move to foreclose on my home? Why did n't they say something then?

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 2017-06-09
Company: Risecredit, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On multiple occassions,  XXXX   XXXX   XXXX  has called me at work. Once they left a voicemail and the other time I picked up. Our work lines are recorded and now our conversations are recorded in my system at work. Now I 'm stuck with the potential of losing my job if that conversation or voicemail is heard during quality testing. Every day I fear it 's my last day because those conversation are recorded and archived. The person was also very rude and would not allow me to exit the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Bread Financial Holdings, Inc.
State: PA
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:
Pay Pal placed 5 inquires on my credit. 4 on XXXX, two of them were on back to back days XX/XX/XXXX and XX/XX/XXXX, one on XX/XX/XXXX, another on XX/XX/XXXX for  XXXX and then one for XXXX XXXX XX/XX/XXXX. I disputed these inquiries with XXXX and XXXX XXXX, they told me to contact the Creditor directly. I contacted Pay Pay and explained the inquiries were un authorized and could they provide me with documentation to show that I personally made those inquiries. They sent me a letter stating that the inquiries were authorized because of a check mark listed on an online application that says they can run my credit, however ; they did n't provide me with the copies of the applications or anything to show that I made those inquiries, they were not helpful to me in any way. I even have a fraud alert listed on my credit report and Pay Pal made no attempt to go through security measures to verify my identity.

Company response to consumer: Closed with explanation