BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: Experian Information Solutions 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:
On XX/XX/2017 a late payment was place on my consumer credit file by XXXX XXXX. Prior to this time. My original payment ate was the XXXX of the month. I discussed with XXXX XXXX that due to an hardship was it possible to change the due date to a later date of the month of which they agreed. I was charged {$20.00} to make the payment adjustment in the date. To make payments due on the XXXX of the month. In addition, I agreed to pay {$570.00} instead of the original {$510.00} payment to have the payment registered as on time. Even though I agreed to make these payments and followed the directions, they continued to report these payments as late to the credit bureaus. I set up automatic deductions and increased the deductible amount to {$600.00} to avoid the late fees. But the arrears just grew from about {$300.00} to over {$3000.00}, even though the payment was taken out of my bank account by the creditor every month as per their " agreement '' with me. Additionally they continued to report the account as late to the credit bureaus. In the original agreement XXXX XXXX allowed a 15-day grace period for being late after the due date ; however, late fees and reporting occurred if you were only late 1 day late. It was unclear how or whether the extra money paid each month was applied to reduce the late payments. I requested an audit of the account to verify the account and never received it. The company and bureaus did not follow the law and posted un-validated information about the account with XXXX XXXX. They violated my consumers rights by the following : 15 USC 1692f ( 1 ) unfair or unconscionable means to collect or attempt to collect any debt, 15 USC 1692g 809 ( b ). Validation of debts - Disputed debts. The information reported by the credit bureau 's is inaccurate : The balance, the monthly payment, the payment history, and the payment status are all incorrect.

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 2022-05-03
Company: Experian Information Solutions 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:
In 2018 I had my truck towed in to shop for repair ( XXXX XXXX ) during this time I lost my job and called XXXX XXXX to ask if they could work with me while I find work.. they was very nasty and said that they needed to pick the truck up on repo... I told they that I surrender the truck and where the truck was located, which they knew because the truck had a tracking system on it ... they call me a year later asking for truck I replied you said you was picking it up, far as I know they did pick it up at some point. However they send me letters every month asking for balance that was remaining on truck in XX/XX/2018, they report in to credit agencies every month that I'm late and passed due... I tried taking with the credit reporting agency and XXXX XXXX about this, however you can't talk to XXXX XXXX they are not nice at all and credit agencies will not truly investigate and fix the reporting errors .... I paid and still pay credit repair company but they same to get same response .... I done research a this is an ongoing problem with XXXX XXXX... aswell as credit agencies allowing this type things to happen over and over by same company... .this has be going on for 4 years, haven't had that truck that long and it still being reported as if I have it and late pay every month... that fraud within itself ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT SYSTEMS INTL IN is claiming that I owe them {$2100.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX/2021- XXXX asked for contract and couldn't provide and didn't delete XX/XX/2021 XXXX asked for sign documents and couldn't provide and didn't delete XX/XX/2021 XXXX ask to be deleted because this isn't mines

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 reached out to the bureau and asked them to remove inquiries that doesn't belong to me. Here they are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-20
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Regarding fraudulent practices of Selene Finance LP company Multiple fraudulent transactions have been taken place starting from XX/XX/XXXX. Upon inquiries and endless investigations, multiple entities claim mortgage rights to the property at the same time. 

Please see background history below : Primary and secondary mortgage was obtained on a one bedroom apartment in XX/XX/XXXX from XXXX XXXX. All payments were sent to XXXX in a timely fashion every month. On XX/XX/XXXX, XXXX has refunded a payment of {$1500.00} for a primary mortgage while accepting a monthly payment of {$200.00} on a secondary mortgage. 
Subsequently, an unknown company, XXXX, has initiated their demands for a payment of over {$20000.00} on the account stating that they are legally authorized to do so. 
XXXX has failed to provide : *promissory note *security deed *registered assignment Upon contacting XXXX County Registry Office , no documents were filed by XXXX certifying the requirement for all transactions to be recorded. 

Shortly thereafter, an unknown company, Selene Finance LP, has initiated their demands for a payment of over {$30000.00} on the account, also stating they are legally authorized to do so. 

Selene Finance LP has also failed to provide : *promissory note *security deed *registered assignment Further research showed that Selene Finance LP is not listed on the registered assignment with XXXX County property registry . 

Further research showed that XXXX and Selene Finance LP have involved in multiple class action lawsuits, CFPB investigation and debt collection fraud cases. 

Please investigate. 


PS : upon recent search history of XXXX County, XXXX NY registry on the property, Selene Finance LP is not a registered party and has no right to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Midwest Recovery Systems
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I got a notification from XXXX XXXX that there were three derogatory marks on my credit file. All three were from XXXX XXXX XXXX, one for {$1200.00} and two for {$270.00}. The company said XXXX. I have never heard of this company. I called the number and stated I did not owe this money and requested they send me a validation of debt. I never received anything. The {$1200.00} report says I have paid -25 % ( overpaid? ) of the debt ( {$1000.00} ) and the two {$270.00} reports say I have paid 73 % of the debt ( {$1000.00} ). I submitted a dispute with XXXX and XXXX. XXXX deleted all three collections from my report. XXXX also deleted them, but all three were back onXX/XX/XXXX. I would like these marks deleted from all of my credit files as I do not own them, I never received a validation of debt, nor did I get any notification prior to them showing up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: I.C. System, Inc.
State: AL
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:
IC Systems is charging me {$890.00} on an old XXXX XXXX debt. The original debtor started in XXXX.However, when I log onto my credit report, IC Systems is showing the debt starting in XXXX. This is the incorrect time frame. The original debt started in XXXX and this should be removed from my report after 7 years. They need to update the date of the original collection.

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 2022-01-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking account with Wells Fargo on XX/XX/2021 and made a initial deposit of {$100.00}, and a few days later I was told by Wells Fargo that my checking account has been closed due to the relationship with the bank. On XX/XX/2021, my account was officially closed, but I haven't received my {$100.00} initial deposit so far. I contacted Wells Fargo many times and none of my complaint have been properly resolved.

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 2022-01-11
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: Their investigation did not fix an error on your report

Complaint:
I have looked over my credit report and I have found inaccuracies that have not been 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 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 

Dept of Ed XXXX reporting 4 times Us Doe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Inquiries i do not notice XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-03
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2022-05-03
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX 's grandson, XXXX XXXX, was hospitalized for XXXX XXXX while on vacation in XXXX. XXXX Hospital required cash up front. XXXX XXXX initiated a {$5000.00} wire transfer at XXXX XXXX. The money was held so long at the intermediary bank, Bank of America, that the family had to initiate payment via another option. XXXX XXXX requested the money back from Bank of America. Bank of America asked that we ( XXXX and XXXX XXXX ) contact the XXXX Hospital and XXXX bank in XXXX, XXXX. XXXX and XXXX 's daughter, XXXX XXXX, did everything that was asked of us. Bank of America closed the case without resolving our issue or ever speaking directly to any of us. On top of that XXXX XXXX XXXX XXXX XXXX, our family feels victimized once again by Bank of America.

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 2017-06-29
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Reference to account :  XXXX  I file a complaint against the company about the debt. The company is being technical stated tha t II di d not put both account number on the complaint of the same deb tto be removed.. They only removed  XXXX  account. The account number  XXXX  still remain on my account. The case was handle in court : I spoke with  XXXX  at  XXXX   XXXX  of  XXXX ,  XXXX   XXXX   XXXX   XXXX .  XXXX .  XXXX   XXXX  stated that  XXXX   XXXX  sent the collection to  Hunter Warfield by   mistake and that they have their own collection for that agency, I should not pay this agency and they should not be on my credit report for this debt. I was told this by  XXXX   XXXX  a t HunterWarfield    XXXX . tha t the complaint was not for both account. XXXX ,  XXXX   XXXX   XXXX   XXXX  have file a garnishment for $   XXXX .the am ount of the judgment by the court.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29
Company: EQUIFAX, INC.
State: NY
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:
There is XXXX XXXX XXXX account that are NOT mine, XXXX was open X/2016. This needs to be removed it is fraud and again NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
PURSUANT TO 15USC1681g, 15USC1681h, and 15USC1681i I the consumer should be able to obtain my consumer report in any method offered by the agency with ease. HOWEVER XXXX AND XXXX IS NOT LETTING ME CHECK MY REPORT WITH EASE I CAN NOT GET ANNUAL REPORT OR CHECK CONSUMER REPORT. WHEN CHECKING IT ASK ME INFORMATION I ANSWER IT CORRECTLY THEN IT SAYS UNABLE TO GIVE ME MY REPORT IT ASK ME TO FILL OUT A MAIL FORM. ACCORDING TO THE LAW I MAY RECEIVE MY REPORT IN ANY METHOD I CHOOSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: PNC Bank N.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Last XX/XX/XXXX I responded to a voicemail saying I was approved of {$5000.00} personal loan. When I called a certain XXXX told me that my credit score is low so I have to pay {$200.00} to have the loan approved and ask me to buy a XXXX XXXX debit prepaid card and load it with {$200.00}. After giving her the details of the card she again asked me to get another card and load it with {$360.00} for the processing fee and after again doing so she told me that they can't deposit the money to my account for some reason and told me that they will send the money through XXXX XXXX so I have to get a third prepaid card loaded with {$200.00} for the fees to pay XXXX XXXX so I can get the money that same day. XXXX then told me that she will call me back to give the ID number for the money transfer but she never called back. I tried everyday to callnher but they don ' t answer the phone anymore and sometimes they just hang up the phone. The last call I made acfertain XXXX XXXX answered and said that XXXX is not available. He said he is the general manager and I ask him to cancel my loan application sng just give me a refund the he told me to call back at XXXX XXXX but again they won't answer the phone anymore up to this time.

Company response to consumer: Closed with explanation