BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by mail by Dynamic Recovery Solutions on XX/XX/2021 about a debt which the original creditor is XXXX XXXX XXXX XXXX for XXXX and reference number:XXXX, and the current creditor mentioned is XXXX XXXX XXXX. They have received a mail from me requesting the validation of the debt on XX/XX/XXXX, but failed to provide to me the information requested which is considered as a violation of my rights because it has been more than 30 days since they got my letter. Not only they failed to respond to my request that I gave them 30 days to reply to and to delete the debt if they can not validate it, but also the amount and the status mentioned in the letter are not the same as what is in my credit report. They did not even change the status of the debt as under a dispute. I am now requesting a deletion of this debt since it can not be validated and some information dont match. 
Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: AMERICAN EXPRESS COMPANY
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 information incorrect

Complaint:
American Express is reporting the following : " Account charged off. {$4700.00} written off. {$3900.00} past due as of XX/XX/2019. '' It is not possible that only {$3300.00} is past due after 7 years the entire amount is past due. 

The law requires that information be ACCURATE or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
TD Bank is refusing to let me continue making payments on my car even though I am ahead of my payments by 4 months. The car was impounded and the police never sent me anything in the mail to come and get it. Then TD Bank picked it up and are not allowing me to take my car back unless I pay for it in full. That is not fair. I have been making payments on time every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Wells Fargo auto and XXXX XXXX XXXX violated me consumer rights according to 15 U.S Code 1605, 15 U.S Code 1662, and 15 U.S Code 1635.

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 2020-08-12
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX  XXXX {$3200.00} XXXX XXXX {$17000.00} XXXX  XXXX {$19000.00} XXXX  XXXX XXXX {$270.00} XXXX  XXXX XXXX {$120.00} XXXX XXXX XXXX {$55.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I took out XXXX student loans while completing my XXXX program at XXXX University in XXXX, AL.. however, my student loans have more than doubled what i borrowed initially. When i called XXXX to get a breakdown, ( as there was XXXX private loan i had no recollection of ) i did not get through to anyone, but when i tried again, i was provided with another number, where i left a message maybe over a year now, and no one has called me back. Whenever i call, it is quite difficult to get through to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is refusing to look into my request which I feel is in complete violation of the FCRA. I sent them letters OVER 60 days ago that they have yet to respond to, so then I come here and submit the letters showing that they are not responding and they say they will not look into the issue. I am surprised that CFPB actually allows this response, so PLEASE actually help me with this situation! 

Attached is my ID and proof of address so please do not use the same excuse as to why you're not going to help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian XXXX-SERIOUS DELINQUENCY ; XXXX-LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED ; XXXX-DELINQUENCY REPORTED ON ACCOUNTS ; XXXX-AVAILABLE CREDIT ON OPEN REVOLVING TRADES I have pulled my credit report 5 times. There is not ONE thing on my Experian report showing deliquent. I have complained about this SEVERAL times to Experian - all they do is send me a copy of my report showing NOTHING deliquent. I would like to take legal action to have this statement 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 explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The companies are reporting inaccurate information on 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 explanation
Consumer complaint received 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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  XXXX XXXX  Account # XXXX Friday, XX/XX/2020 They sent a bad credit report after I had spoken to them and told them that I couldn't make any payments until I get my job back ( I was XXXX XXXX   due to the Covid 19 Pandemic ). 
There shouldn't be any bad credit reporting.

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 2016-04-19
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I contacted FedLoan Services after hearing a commercial on the radio. The company offered to consolidate my loans and lower my monthly payment. However, I had to pay them {$800.00} up front and an additional $ XXXX per month for their service fees. I paid them {$99.00} every two weeks until the amount was paid in full. Now, I pay them $ XXXX per month for their services in addition to my monthly payment goes towards my student loans. My first payments started on XXXX XXXX, 2015. 

I found out that charging a fee for the services was illegal when I called your agency in regards to something else. If this is the case, I would like my money to be refunded to me. I 'm also wondering if they are allowed to collect the $ XXXX monthly fee as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian credit bureau refuses to re-investigate items on my credit report that are inaccurate.

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 2016-05-06
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
My husband and I were going through the motions to refinance. We got our credit pulled and mine dropped from high XXXX 's to mid XXXX 's. I 've done nothing different so we looked into it deeper. There is a collection on my report from a company I have named XXXX. I called them and they told me there is an account from XXXX XXXX opened in my name back in 2014. I have never had a century link account so that obviously is not me. I asked them to validate the debt and they ca n't for reasons that did n't make sense. I sent their identity theft department and email and have heard nothing back. I need help to validate this debt and restore my credit to it 's proper place.

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 2020-08-12
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
Paid account in full is the report in the balance on my account Im trying to buy a house and its hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$1300.00} DTEDPXXXX  XXXX {$14000.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$13000.00} XXXX   XXXX {$480.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$610.00} XXXX XXXX {$620.00} DTEPXXXX   XXXX {$7900.00} XXXX XXXX {$13000.00}

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 2020-01-08
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXX is reporting the following : " Account charged off. {$4700.00} written off. {$3900.00} past due as of XX/XX/2019. '' It is not possible that only {$3300.00} is past due after 7 years the entire amount is past due. 

The law requires that information be ACCURATE or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Federal or Private loan : I do n't know because this is a fraudulent loan that I never received. 

I have filed more then XXXX complaints over the same exact illegal, non existing student loans. I have never received these funds. XXXX XXXX XXXX XXXX XXXX has refused to validate the loan. They have lied multiple times including stating they were a candy shop to collect information. They have called my neighbors in attempts to locate me. They have treated to file a police report if I report them. I have already filed these complaints with the Federal Government. 

This loan is resurfacing. I also have these fraudulent loans showing up on my credit reports as " wright-offs ''. There has been zero accountability from any of the companies involved with collecting the money, selling the fraudulent loans to new companies, and no company has been required to provide information about the loan. 

I asked in XXXX ( before I graduated collection ) for proof of this loan. Instead of mailing me the fraud packet, the company sent me letters stating they would report me to the police for filling false charges. In XXXX, XXXX, XXXX, and now XXXX, I have filed statements requesting this company prove these loans existed. 

There was only XXXX loan during this time, not XXXX loans. 100 % of the loan is currently at another bank. The loan is not late and the bank has not attempted to collect because I am still in college. 

This company has violated ( XXXX ) the fair credit report act XXXX XXXX XXXX the collections act. I seek damages for the destruction of my credit reports. I seek damages for the years and years of stress and humiliation. I can not even answer my phone because of these fake loans. XXXX time, the agent at XXXX XXXX XXXX XXXX XXXX acted as a client to book an appointment at my work. 

However, I have already been in contact with legal counsel and I plan on building a lawsuit against this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Western-Shamrock Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have a mail check loan I had applied for and XXXX XXXX so was unable to work. I tried to make payment arrangements but the lady XXXX threatened me with having the sheriff serve me at my job. I called back and spoke to a supervisor there and she threatened to have me served at my job regardless of me stating i didn't want them contacting my job and when I asked for her FTC number to filter a complaint she hung up on me and then wouldn't answer phones anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: ID Analytics, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the FCRA, credit reporting bureaus can block information from credit reports if the information is in dispute of fraud and/or if identity theft occurs. This is not a complaint but rather asking that while there's an ongoing investigation with XXXX XXXX XXXX XXXX that the credit bureaus block all disputes under investigation until the investigative disputes are completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a text from XXXX XXXX if I had sent {$3500.00} in a zelle transaction and to reply yes or no. I replied no and received a call a minute later. I was coerced into sending a zelle transfer to myself for {$3500.00} to avoid losing my money. The scammer was able to spoof the banks phone number. XXXX XXXXXXXX XXXX  are refusing to refund my money because I sent the money willingly, despite their {$25.00} XXXX dollar profit margin. I filed a police report. I dont understand if my money is FDIC insured to {$250000.00} why they cant refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Experian Information Solutions Inc.
State: LA
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 contacted Experian with a dispute towards XXXX XXXX and XXXX XXXX XXXX. They sent me back correspondence saying it was verified two days later but never sent me how it was verified. I 've asked for documentation supporting these companies saying the accounts are verified and they have n't. I 've disputed these items multiple times and I keep getting the same results. <P/>XXXX says my balance is {$670.00} XXXX XXXX XXXX XXXX says I have three accounts for {$500.00}, {$320.00}, and {$350.00}

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 2020-08-12
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX XXXX {$3200.00} XXXX XXXX {$17000.00} XXXX XXXX {$19000.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$55.00} 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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX XXXX {$3200.00} XXXX XXXX {$17000.00} XXXX XXXX {$19000.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$55.00} 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 2016-02-17
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I am college student and been in college for 4 years. I will graduate from college in XXXX 2016. I have XXXX credit cards with synchrony bank. When I applied for the cards it was GE. I have been able to pay the cards up until last year. I tried several times to enroll in credit protection with synchrony bank and was denied. They did n't offer it to me when I applied and when they changed banks. I am currently unemployed due to illness. I have been unable to get any help from synchrony bank and they have sent me to collection. I really need help with this issue because this has hinder my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: UMB FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened an account with UMB Bank through an online application on XX/XX/2020. The bank took my initial funding of {$100.00} and withdrew the money from my XXXX XXXX XXXX checking account. UMB Bank has now locked me out of my new checking account and has provided no way for me to receive a refund of my initial funding of {$100.00}. They have essentially held my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I filed bankruptcy, and was discharged under chapter XXXX, XXXX yrs ago. At that time I reaffirmed both my mortgage and home equity loan, and have been paying as agreed. XXXX companies have refused to report my payments on my credit report. My report states-account closed due to chapter XXXX. This is hurting my credit score tremendously.

Company response to consumer: Closed with explanation