BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX acc # XXXXExperian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX number XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX 2000. 


I recently submitted a request for investigation of an Acct Number : Account name : XXXX Account number XXXX .... 
Account name : XXXX PAYMENT SYSTEMS Account number XXXX .... 

I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXXXXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX SOC SEC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from TRANSWORLD SYSTEMS INC. trying to collect for XXXX. I was in a clinical trial at XXXX, which caused me to be XXXX. XXXX assured us we would not receive any bills. When logging onto TRANSWORLD SYSTEMS INC., after going through the registration process, it states that they no longer service in the state of California, and they provide an " XXXX '' number. I find this discriminatory towards deaf people since I ca n't call. I also find the process of disputing the complaint convoluted., since it refers you to the FTC website, which refers you to this Consumers Finance website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I noticed that there are still four ( 4 ) private student loans that Navient is reporting to all 3 major credit reporting agencies : XXXX, XXXX  and XXXX  and is appearing on my credit report. I do not believe the information is being reported accurately, is not complete information and is not verifiable. I disputed all four private student loan accounts with all 3 of the credit reporting agencies several times, and they said the information has been verified and/or updated by Navient. 
The date opened, date closed, date of last activity, date of last payment, high balance, monthly payment history status, etc. are appearing different on each credit reporting agencys report and some of that information is not appearing at all. 
These inaccurate unverified accounts and information that is being reporting by Navient has also caused me to be denied credit, is negatively impacting my creditworthiness and my credit score. 
I called Navient 's number listed on my credit reports ( XXXX XXXX XXXX in the afternoon of XX/XX/XXXX to verbally dispute the accuracy and completeness of the account information being reported and spoke with 2 people in 2 departments. Neither of the people I spoke with were able to locate any information about the private student loan accounts that are appearing on my credit reports. They said they can not see any record of any private student loans in my name. I provided them with all identifying information requested to try and locate these accounts. The found a profile for me as an individual, but no visibility of any private student loan accounts associated with my identity. 
I sent a certified mail letter ( attached ) similarly worded to above that was confirmed to be delivered to Navient on XX/XX/XXXX ( USPS delivery confirmation attached ). Navient did not respond or acknowledge my dispute with them in any way, nor did they inform mark the disputed accounts as disputed on any of my 3 credit reports. 
Since Navient has exceeded their required response time of 30 days AND did not indicate the dispute status on my credit reports, I believe they are out of compliance with their obligations as a furnisher of information per the Fair Credit Reporting Act and likely are violating my rights as a consumer. 
Navient can not legally report accounts to a credit reporting agency if none of their employees can locate any information about the accounts existence to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I am receiving multiple calls on a daily basis. When I answer their call, they threaten me with a lawsuit. I have n't received proper verification of debt due to them having an incorrect mailing address on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-03
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Other

Complaint:
This is a complaint against American Express, for several reasons to cite :1 - discrimination. 
2 - Disrespect. 
4 -XXXX promotional information on their services. 
This is a card unicamnete service for people to demonstrate for them and demonstrable revenue soaring with the IRS and bank intuciones. 
My case is as follows my will approved me a gold card services one week after use without warning decided to block the card because they believed that there was a fraud, go MADE ME shame to waste my time and do not value them, go to a bank where I have account, receive a fax from them and having to send all the documentation needed to verify my identity, from XXXX passport and driver 's license to test direction and these had to be notarized by the banking agent, because their views could be false and fax sent from the Bank. Disrespect, discrimination. 
However continue gave them the requirements, but as this was insufficient for them, the second week demanded me I had to pay off the card because he had reached the limit of what they can spend and consider that if he did not in my 3 days block serious card. 
Break the rules, the monthly payment is not quinsenal. Liars. Mislead consumers with their promotions. 
OK. I made a payment within a month to avoid interruption, now I block the card because they need to check with the IRS if I make money or not, because they do not feel that I will be able to assume this responsibility. Disrespect again. n a nutshell is XXXX alerts to me say I can not be part of its elite because I have no money according to them, discrimination, and as the only way they know if I have money is figuring out my life with the IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We filed a complaint several months ago about our on going foreclosure with CitiMortgage. The issue has not been resolved. CitiMortgage fails to respond to any and all of our requests for a loan modification. They also do not disclose the property sale date to us at all, we always have to find out via the local paper. Also, we have reviewed the original loan documents have found a real problem with the appraisal they did on our home. We refinanced the loan we had with Citi for a lower interest rate, the appraisal was inflated by {$47000.00} in only a span of 9 months. We feel this is predatory as Citi signed off on the appraisal which was done by the same appraiser who appraised our home for the previous loan. We have attached the appraisals for your review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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/2020, I PAID XXXX XXXX IN FULL TO CLOSE MY ACCOUNT. ON XX/XX/2020, XXXX XXXX REPORTED MY ACCOUNT AS CHARGED OFF TO ALL THREE MAJOR CREDIT BUREAUS.

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 2022-03-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with this corporation and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. Not only did Wells Fargo take cash in this consumer credit transaction, they took a down payment, they didn't include my car insurance in the finance charge and I never received my right to recession nor the material disclosure. Pursuant to federal law they have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt and they have apparently charge off my account. I called them and asked them to explain my car payments, because pursuant to 15 usc 1605 the Finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number, and I've paid well over the finance charge ). Instead of providing me with the information I asked for they responded with a transaction history. They have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope that's alleging I owe a debt, they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me. I hereby rescind the consumer credit transaction granting any security interest to Wells Fargo Auto.

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 2023-04-10
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/XXXX, I mailed out letters to all ( 3 ) major credit bureaus, following FCRA Section 609, which provides me, a consumer the right to dispute any inaccurate information on my credit report. Correct name, address, and phone number. 

If the credit bureau finds any errors, then the credit bureau must remove them within 30 days and notify me, the consumer. If the credit bureaus can verify the accuracy of accounts, correct name, address, and phone number, the credit bureaus still must notify me, the consumer. 

The FCRA Section 611, provides me, the consumer with permission to follow up and refute accounts deemed verified. This requires the credit bureaus, to reinvestigate these unverified accounts and remove them after 30 days. 

Following FCRA Section 623 deems it a violation to Report information with actual knowledge of errors. The consumer, shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I am contacting you concerning old and outdated information that is appearing on my credit reports. According to the Fair Credit Reporting Act ( FCRA ), negative information can only appear on my credit report for 7 to 10 years, depending on the item. These are the items in question. 

I request you verify and remove any old and outdated accounts. Once you have completed any corrections, please send me a new credit report reflecting the updated information. 

As I have not heard back from you in over 30 days regarding my notice of dispute dated XXXX XXXX XXXX and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : I understand that under U. S. C. Sec. 1681i ( a ), the credit bureaus must complete this investigation within 30 days of receipt of this letter and send me the updated report showing your compliance with the FCRA Laws and METRO 2 Reporting Standards as well as these accounts removed.

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 2022-10-11
Company: Convergent Resources, Inc.
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've had this phone since XX/XX/XXXX. When I asked about unlocking my phone, I was told that it needed to be paid off before unlocking. The person I spoke with said that I owed {$240.00} then said a different amount when I asked her again. So, I bought a new XXXX that claimed to be compatible with XXXX  ; it wasn't. I asked the person why since the package stated it was and she didn't know. 
I've dealt with customer service several times regarding other e-mails on my account ; they said they don't have control about that. I questioned the person about requesting they be removed and he/she said they'd take care of it every time I called but it wasn't, resulting in XXXX XXXX  ( XXXX ), XXXX XXXX XXXX Then I asked about the protection which I paid for and was told they ( XXXX  ) couldn't control or fix the problems. I have not used this account since XX/XX/XXXX. They have charged me since then and I am not even connected to them. 
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 2017-05-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom it may concerns, I am writing regarding a few accounts that have been on my credit report with Equifax for more than 7 years. I have contacted Equifax many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Equifax has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Equifax and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Equifax because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance. Here is the list of all the accounts :  XXXX   XXXX  : Account #  XXXX   XXXX   XXXX  : Account #  XXXX    XXXX   /  XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD  XXXX    XXXX   XXXX   XXXX   (  XXXX    XXXX    NEVADA ).     I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Over the past year I have been charged a monthly fee on my credit card for a service that I did not agree too. I was told It would be refunded back to me however it did not. When I would call to resolve the issue I was hung up on XXXX seperate times and ignored. This was a debt protection fee that turned out to be a scam.

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 2015-06-02
Company: WELLS FARGO & COMPANY
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I got a vehicle loan at XXXX XXXX XXXX XXXX XXXX, in XXXX, MO, which was financed through Wells Fargo Dealer Services, on XXXX XXXX, 2015, according to my loan documents. I called yesterday, to try to make the current interest payment and a {$500.00} principal reduction on my loan, but Wells Fargo does n't have any record of the loan in their system yet. I called the dealership, and was told that the loan has n't been completely processed and funded yet, and that my payment is n't due until XXXX anyway ( which is utterly beside the point ). I called back to Wells Fargo and asked if I could make a payment, using my name and SSN, and have it applied with an effective date, once they receive the paperwork. I was told that they could not do that because the loan may not even go through them. I offered to send her a copy of my documents showing that Wells Fargo was the lender, and she said it did n't matter because they had no record of the loan. I asked if I was the accruing interest, since they did n't have the loan yet. I was told that the loan would be accruing interest as of the date of the contract, but it did n't matter, because the interest charge was calculated on the date of the loan. After explaining interest accrual to the nice young lady, and how principal reductions affect the accrued interest, I asked to speak with a manager, and was told the same thing by her. They will be charging me interest from XXXX XXXX, but as of XXXX XXXX, they are refusing to accept a payment, which would reduce my daily interest. At this point, the difference is only {$0.00} a day, but if you take that XXXX cents times all of Wells Fargo 's customers, they could be making a pretty sizable chunk of change over the course of a year. I 'm also going to be receiving a good-sized check from my insurance company for the replacement cost of the vehicle we totaled, and will be wanting to apply that to the loan also. If they are n't in any hurry, because my XXXX payment is n't due until XXXX, I could be out a good amount of money by the time they decide to process my loan. As someone who works at a bank, I know that there are consumer regulations that state how loan payments have to be applied, and that it has to be done in a timely manner and such. Since they 've not actually " funded '' the loan yet, am I just stuck in no man 's land? What recourse do I have?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, 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:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
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:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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