BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, XXXX a credit account was removed from my credit report by Experian. This account was in good standing and I did not dispute its existence. The removal cause my score to drop due to a shortened credit history. The account was not due to be removed until XX/XX/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 2022-01-26
Company: EQUIFAX, INC.
State: SC
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 found two different hard inquiries only on my Equifax credit report. I called and informed them that I have never entered their place of business in my life. I then asked for the documents that they had in their possession so I could see for myself. I was told they only had the one because I had submitted an application twice and when that happens they simply change the date on the original. I also asked for a copy and was told to just dispute it with Equifax. The party above with the two hard inquiries was XXXX XXXX XXXX of XXXX XXXX with one inquiry on XXXX XXXX and again on XXXX. 
I was also informed that during this time frame the people I spoke with had not yet began employment there and that all parties who were working during this time frame were no longer employed there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I would like to file a complaint about the very misleading selling and marketing techniques of Wells Fargo and specifically the employee named XXXX XXXX XXXX ID XXXX My wife myself my daughter XXXX and my son XXXX have XXXX accounts at Wells Fargo When I opened the accounts years ago I was told that all the accounts would be considered together and if the combined accounts were above a certain amount ( I think to remember dollar XXXX ) there would be no fees charged to any of the accounts I stressed the fact that I did NOT want to pay any fees as a condition to open an account in the first place On XXXX XXXX 2016 I discovered that my son checking account had been charged dollar XXXX in Overdraft Transfer Fee, just for the system to automatically transfer money from his savings account to his checking account. I went to the Wells Fargo branch and spoke to XXXX XXXX, who after some negotiations agreed to remove the fee. She also recommended to close the savings account due to the small balance of the savings account. I made clear that I did not want to be charged any fee in the future and to avoid any risk I made an additional deposit of dollar XXXX on behalf of my son. Few days later I noticed that the savings account was also charged a dollar XXXX Monthly Service Fee on XX/XX/XXXX, which XXXX XXXX never disclosed, even if I made clear few times that I did not want to incur any fees. I went back to the bank and XXXX XXXX told me that since the account had been closed, the fee could not be reversed. I find very dishonest the fact that XXXX XXXX did not disclose to me first that the savings account was charged with an additional fee and then even worse, recommended the closure of the account and then used that as an excuse for not refunding the fee.

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 2020-04-19
Company: Waypoint Resource Group, LLC
State: CO
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:
I have a collection on my credit report for a {$400.00} opened XX/XX/2018. The original creditor is XXXX XXXX XXXX. The collection agency is Waypoint Resource group. I came to a settlement agreement with Waypoint to pay {$260.00} of the {$400.00} collection to close and remove the account which i paid. The collection is still being reported. I'm currently in the process of buying my first home and this collection still being reported has my lender at a stand still. I can not proceed any further buying a home because of this reported collection. I've paid the debt as agreed and am still being hindered as if i didn't pay the debt. I disputed this with the credit bureaus and asked them to investigate and requested all documentation verifying where they came up with the {$400.00} balance. XXXX  responded in about 10 days and I never received any documentation which means they didn't investigate anything. I then contacted Waypoint Resource group asking for good faith to remove the paid collection and inquiring about why they have not removed the settled account from my report. I was told " that the contract they have with their client XXXX XXXX XXXX. doesn't want anything removed from the report no matter what the status of the collection is ''. I then contacted XXXX XXXX Rapid Review Department and explained my situation to them and asked why their contract with Waypoint doesn't allow for paid collections to be removed. The Rapid Review Department informed me that there is no contract. During my phone call with Rapid Review I found out that that Waypoint did not complete everything needed once i paid the settlement. they were supposed to contact XXXX XXXX to inform them we came to a settlement agreement that i paid and the remaining balance of {$140.00} of the original debt was to be credited to me as a balance of {$0.00} which never happened. XXXX XXXX showed that I still had an outstanding balance of {$140.00}. If the the credit bureaus had properly investigated and gathered the documentation I requested this should have been brought to light. I was told to contact and file a complaint with the Consumers Financial Protection Bureau, State Attorney Generals Office and a consumer law, law firm. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: EQUIFAX, INC.
State: IL
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:
I have disputed with all three credit bureaus to have the dismissed Chapter XXXX deleted due to being misguided by the lawyer group XXXX XXXX XXXX on the proper filing for XXXX XXXX. Ive submitted disputes every quarter starting in XX/XX/2018via the bureaus direct websites.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
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: Public record information inaccurate

Complaint:
Transunion is my problem, I was refused a Credit Card because what Transunion is Reporting to XXXX - that there is a Bankruptcy on Report? 

I tried calling and calling I got nowhere with their first line of phone reps - they keep repeating over the same canned answers, I called 2 or 3 times they all say the same thing, I asked to talk to a Supervisor and they put me on Permanent Hold after 30 minutes Ive hung up that is so rude! 

I went online to Transunion to check out my Report - there is nothing Negative, and No Bankruptcy ( I did have one 11 years ago - that was removed by the other Credit Agencies early last year, and I was told Transunion did also ) I tried to Dispute this Online there is No way to do this on your website I was going to Upload the Attachment. 

I called XXXX, they told me this is what was reported from Transunion and this is all they can go by, I also applied for a XXXX Credit Card last month and I was told the same thing that this would need to be corrected, no matter what I say they need it from Transunion in writing. 

Also, the Transunion rep said there was No Bankruptcy on my report, so obviously there is a Disconnect on what he can see and what they are Reporting to me and Creditors that Inquire?? 

I tried several months ago to talk to someone that would actually listen that there was a problem with my Transunion account - after the 10 year period of the Bankruptcy dropped off in early 2019 my Credit Score with both XXXX and XXXX shot up close to 100 points higher, it never had much of a rise with Transunion showing another Disconnect that is wrong, and I was trying to explain there must be a glitch in your system. ( I never got anywhere even once I got a hold of someone it was like talking to a wall, the response was there is no way Transuonions computers are wrong and would not look any further, way over frustrated I gave up. ) Transunion has Mailed me Reports and I've looked at them side by side the other Credit Bureaus, there really is no difference at least the ones that were mailed or I can view online, but the attached is proof that Transunion is giving False Information to my Creditors, effecting my Score, my Credit Rating and being able to apply and get Credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 first contacted TransUnion on XX/XX/XXXX after I my background check failed for a prospective employer. At that time the report failed because it stated that my social security number didn't match my name. During my conversation with TransUnion I was advised that my social security number had been crossed with another account and the issue would be fixed. I then ordered a copy of my credit report where I noticed several account, addresses, phone numbers as well as another name that didn't belong to me on my records. I then contracted with a credit restoration company to begin disputing the information. I sent several dispute letters to try and get the information corrected and each time TransUnion came back and told me that the information had been verified as correct. On XXXX XXXX I sent a letter to TransUnion asking them to provide proof as to how the information was verified, I received a letter back from TransUnion advising me that they are not require to dispute items previously verified as accurate. I then sent a Personal Identifier Letter to TransUnion on XX/XX/XXXX which contain my legal name, date of birth and my address along with a copy of my ID, ss card, and proof of address. Then today XX/XX/XXXX I received several monitoring notifications that showed TransUnion added 2 additional address to my account. One is a previous address that I stayed at which isn't a problem but I am showing several address in both Missouri and Texas that I have never stayed. This is seriously having an affect on my credit and my life. The person who's name they have listed as my alias XXXX XXXX stole my identity over 30 years ago and I have been trying to get this issue fixed not to mention that I have had my identity stolen several times. My information was found on a computer confiscated by an individual back in XXXX, I filed a report then, my information has been leaked in both XXXX and XXXX   breaches. At this point I just want TransUnion to correct the misinformation before I miss any more opportunities.

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 2022-10-07
Company: AES/PHEAA
State: NY
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:
Ive been asking for my payments to be refunded for the last 8months. My loan balance increased which was also shown on my credit report but I never received my payments back. Ive contacted XXXX XXXX ( I made my payment through XXXX ) and they said they processed it for me about 2 months ago and its still processing but according to my credit report I was refunded in XXXX by fed loan servicing. My loans were sent to fed loan which are now being transferred to XXXX. No one has any answers for me who can I contact? The money was also added to my loan account balance so its showing I was refunded on my account and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I previously submitted complaint XXXX where HMF replied and allegedly they mailed the title out on XX/XX/XXXX. It is now XX/XX/XXXX and still no title. In the last year alone there have been approx. XXXX similar complaints filed with this agency by other customers who, similarly, had their cars title held hostage. There is no way any company can blame XXXX for losing that many titles in a year. I need my title sent to me now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
LVNV Funding LLC C/O resurgent capital services is reporting on all 3 credit bureaus With account XXXX I have asked for validation of this debt. Proof of ownership of this debt original credit application with my signature on it. Payment history of this debt have not received any validation of debt This reporting is also in violation of metro 2 fair credit reporting guidelines Validation of debt doesnt consist of bill statements this account doesnt belong to me This account is inaccurate, isnt mine this account needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I reached out to the company in regards to refunding my account for all the payment they received after I called and advised them that I no longer needed Credit Protection on my account. I called there Customer Service Department and requested that they end/ stop the Service on XX/XX/XXXX. Due to my XXXX XXXX and medication I'm on for XXXX   XXXX  they were still taking my money for Credit Protection. Upon XX/XX/XXXX, they finally stop but didn't refund my account of all the fees they received and the additional interest that I accrued due to the balance. I didn't know and understand that more then 60 % of my monthly payment was being applied for 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 monetary relief
Consumer complaint received 2020-08-09
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I e contacted United Revenue Corp through XXXX and disputed duplicate accounts for {$1000.00} on my credit report 3 times and is the same account and one for {$330.00} on the report twice with this same company. Ive requested the original docs with my signature showing the debt was owed and have received nothing and XXXX   has closed the dispute. My credit is being penalized because of 4 extra accounts showing that are actually duplicates.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
With reference to XXXX the complaint was closed however this is far from over. It still is not rectified. Here is why : Firstly it should be noted that I received two final account statements with the SAME date posted on them but two very different sets of amounts and totals. If the final account statement was adjusted, why is the date the same and why did Professional Debt Mediation use the higher statement amount for posting to my credit? In addition, after receiving two final account statements with the same dates, why did Professional Debt Mediation refuse to remove this erroneous collection from my credit due to an obvious conflict of amount owed. This alone reeks of unethical, unprofessional and unlawful business practice but there is more. 

Secondly, Professional Debt Mediation who is not the Magistrate Court of GA and has no authority to deem what is due to XXXX XXXX stated and I quote She is obviously responsible for the Dispo fee since her information was referred to an attorney for eviction. This is significant because under Georgia law there are requirements for evicting a tenant, which in this case were not met. In fact even though I requested the eviction notice, papers and copies of the filing on several occasions before I moved out, they were never delivered to me by XXXX XXXX XXXX or the Court. Therefore it would be in your best  interest to remove this erroneous collection from my credit bureau reports. 

Finally and equally significant, according to the statements you forwarded to me, you received final account statements for an address at XXXX XXXX XXXX XXXX GA XXXX. I had a rental agreement for and lived at XXXX XXXX XXXX XXXX GA XXXX. This debt therefore does not believe to me. It would be in your best interest to remove this erroneous collection from my credit bureau reports. 

I should also note that I left XXXX XXXX XXXX, before XX/XX/XXXX, and not because I bought a home but because I was in two car  accidents one in XXXX and again in XXXX and was no longer working due to medical issues. XXXX XXXX the then Manager of XXXX XXXX XXXX was informed of both accidents, but obviously unconcerned, which is evident in those wholly inaccurate final account statements she prepared and actually used to try to bring me financial harm. Due to all of this additional information, it would be in your best interest to remove this erroneous collection from my credit bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am looking at my credit report on XX/XX/2020 there are 2 items I never authorized anyone to pull a hard inquiry and is inaccurate. Possibly fraud. I got a hard inquiry XX/XX/2020 from XXXX and XXXX XXXX on XX/XX/2020. Both I never authorized and believe to be fraud it is currently reporting inaccurately on my XXXX. I would just like them to know I do not have any recolonization of this and ask that this be removed from all credit reporting agencies as I did not give anyone the right to run my credit without my knowledge.

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 2015-08-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX XXXX, 2015 I submitted a dispute to Equifax regarding an account that was unlawfully transferred and reporting inaccurate and false information. I requested the descriptions and procedures of the reinvestigation as well, as my attorney has notified me were my rights to have. Equifax continually claimed they verified the account and sent me a notice saying that it was updated with new information. This account was reared and dates were added to include it to be active in 2015. This information is absolutely inaccurate. I requested the descriptions and procedures and they sent me a separate letters, after i wrote a letter requesting their methods of verification, that it was not their responsibility to provide that information to me. I asked who spoke to whom and when and how was this verified and even updated and they refused to answer my question. This investigation was done past XXXX days and finally after months of fighting i wrote them threatening to file an FTC complaint and they did not respond to me again and continually ignored my letters sent certified mail. In XX/XX/XXXX i filed my first CFPB complaint and they claimed, that on XXXX XXXX, 2015 they 'CALLED ' to verify and spoke " personally '' to someone at that department. This " verification '' which they are attempting to falsely XXXX me up with was only done nearly XXXX months to the day that I requested an investigation along WITH the descriptions and procedures, which were never provided to me. This account continues to be inaccurate and it was unlawfully placed on my file. I have never had an account settled or owed to the US Department of Education. Before any transfers were done this account was settled with Pell Overpayments. They verified a transfer with someone else ( a male ) i am a woman. Therefore this account was never authorized to be paid or transferred by me. The Us Dept of Eductaion knows that they falsely transferred this an do not wish to be honest about it andI have filed a formal complaint against them and they have informed me that they are checking phone records and signatures to investigate who authorized this account to be transferred when no amount was due to them and no one ever spoke to me. I have never been delinquent on anything in my life. There has been a tremendous injustice done unto me and they refuse to see that this account is under investigation and was fraudulently placed on my file. Equifax is lying about doing an investigation, they have no proof, they send me NOTHING and they had not responded in over XXXX days initially and now they claimed to have called on XXXX XXXX? No, that is unprofessional, unacceptable and too late. This account must be removed immediately!

Company response to consumer: Closed with explanation