BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019, A Property Manager by the name of XXXX XXXX, representing XXXX XXXX, and using the following phone numbers ( XXXX ) XXXX, XXXX XXXX XXXX asked me to deposit {$2500.00} to his bank account in order to secure the rental unit. After I went to a Wells Fargo branch to obtain a cashiers check for the amount of {$2500.00}, I deposited it into his XXXX XXXX  account. After a few weeks I realized I was defrauded out of {$2500.00} and immediately contacted Wells Fargo to put a stop payment on the check. However, I was notified that the check had already been cashed and their is nothing that Wells Fargo can do. It has been well over +30days and I never received my {$2500.00} by WELLSFARGO . WellsFargo Bank has not been cooperative during this unfortunate process.

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 2020-04-22
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: Their investigation did not fix an error on your report

Complaint:
From XXXX to XXXX I ( XXXX XXXX XXXX ) attended University XXXX XXXX. I graduated with an XXXX XXXX and continued my education there, in efforts of achieving a Bachelors in XXXX. 

I currently have a few debts owed to the XXXX XXXX XXXX organization that has been sent to creditors. I have had trouble paying the amount of {$85000.00} ; this has impacted my credit report. 

I recently hire some legal aid to assist me with disputing to Experian, XXXX and XXXX and other creditor about removal so that those loans don't impact my credit score. I have been told by my personal Legal Agent that over 7 years would enhance my odds of having them removed so they don't impact my credit score. It has also been suggested that I contact your organization about this issue and having the XXXX XXXX  removed from my credit score so I may continue working to improve my score. 

I am discussing arrangements now to repay the loans with the creditor these loans have been sent to. 

The legal aid service pursuing this claim is call XXXX XXXX - they have sent some notices and recently escalated this issue since it has been seven years and although we have reach out to national creditor services like Experian, XXXX and XXXX they have yet to respond in our favor

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 2021-12-16
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: TD BANK US HOLDING COMPANY
State: WI
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:
This letter is regarding an ongoing problem I have encountered from Target for the past three and a half years. I opened a line of credit with Target in XX/XX/XXXX ; account number ending in XXXX. Although I have been a loyal trustworthy customer since XX/XX/XXXX and have never missed a payment ; Target is reporting my account CLOSED! This has been the reporting since XX/XX/XXXX. The irony in this is Target is reporting 40 plus on time payments. I am completely exhausted with this situation. I have put them on notice that I will be forced to report this to the consumer protection agency. I have put in over 10 or more disputes with Target in addition to XXXX. I spoke with someone from XXXX XXXX and the agent told me that although they can clearly see that the information is conflicting because how can I be using my credit card in addition to paying the bill every month on a closed account for three plus years. XXXX XXXX also stated they can not change inaccurate information unless Target agree that the information is in fact incorrect. Well to make a long story short Im at the end of my rope with this unprofessionalism. I even went so far as to request a new card number thinking maybe this will initiate some type of change in the reporting. Now Target is not reporting at all! I can not call this company anymore, I have put in hours and hours of my time with this foolishness! I just cant do it anymore, everyone I have talk to dont seem to have the ability or the authority to fix this problem. Deviating from their script is somewhat difficult for Target 's customer service representatives. Therefore, I find myself at your mercy.. I hope and pray this letter finally ends up in competent hands. I expected a much higher level of service from Target, and I am quite disappointed. Because I do not want to spend any more time on this problem, I hope you can help! PLEASE DO NOT let them say that they are reporting because they are not! This is what they have been telling me for 3 years every month to get me off the phone. They will attempt to say they are putting in a dispute and I should wait until the XXXX of the month to see the correction.. and the XXXX comes around and the same old XXXX! NOTHING!!! NO CHANGE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, 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:
I paid the account for this visa credit card in full on XX/XX/XXXX. The XXXX statement showed a balance of {$2300.00} with a minimum payment of {$4.00} by XX/XX/XXXX. I paid {$2300.00} on XX/XX/XXXX and {$4.00} on XX/XX/XXXX as shown on the statement. I never received any notification that there was a pending amount for any interest. Why are they charging any interest if there were no transactions? There were no minimum payments due on the following statements until XXXX of which I was never notified. I spoke to XXXX in customer service who indicated the alerts were turned off on the account and that no one had tried to contact me. I did not receive any e-mails or statements to indicate I owed anything until a letter on XX/XX/XXXX which stated I owed {$11.00} ( I dont know what for ) but I immediately called XXXX and paid and was assured the balance was XXXX. I check again on XX/XX/XXXX and it shows that I owe a balance of XXXX cents for who knows what since the account was paid-off and which I can not pay on-line. I again call and spoke to customer service and the charge was removed. However, XXXX has reported me to all three credit bureaus as being late. I was a faithful customer and never paid late. It was their fault for not sending me any notification and truthfully, what are they charging me if I paid the account in full, this is a scam against veterans trying to collect interest. I was trying to refinance my home and get a VA loan, but because of this account was denied as my credit score has dropped dramatically. I work very hard to ensure my credit rating is excellent. I pay all my credit cards on time which you can check, and I have never paid this card late. I want my consumer report fixed as this was not my fault but the negligence of XXXX for not alerting the customer of these bogus interest fee charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/18, I received a telephone call from XXXX, in which the caller wanted to verify my name ; since this is not the first call I received I advised that " I am not willing to confirm my identity to you, please stop calling and provide validation to the address you believe is on file and if it is indeed me I will call back and make arrangements '' ; instead the caller just terminated the call and disregarded everything I said. I called back with the same statement, same hangup. This happened three additional times. I am not sure why this company can not acknowledge a cease calls request, I shouldn't have to jump through hoops to make sure they do indeed remove my phone number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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 sent sent a letter to XXXX challenging the validity of the alleged bankruptcy they have listed on my report. 
I recently Challenged this same account with TransUnion credit bureau and they came back stating that they have verified this account with XXXX XXXX XXXX. I have went to the courthouse, and they have also stated they did NOT verify this information. I asked XXXX to send me whatever documents of information they have personally used to verify this alleged bankruptcy, immediately. They sent information but the address dont match my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Rent Recovery is  attempting to collect a debt that I never established a contract with this company. Obtaining documentation or bills as third party or debt collection agency is not legal documentation or a contract that holds me accountable to owe you anything. Furthermore they are in complete violation of the FCRA law by placing this negative item on to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Halsted Financial Services, LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Halstead Financial continues to call my phone, back to back. Sometimes they hang up before I get an answer and sometimes they just continuously call. There are always different numbers but they always begin with XXXX. They call on weekends, holidays, late night, early morning. I have proof of MULTIPLE calls daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2019-12-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I went to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX starting in XXXX of XXXX. I graduated in XXXX with an XXXX XXXX XXXX XXXX XXXX. After graduating, I was not earning enough money to be able to pay my student loan back. At the time the loan was serviced by Sallie Mae. The only option they gave me was to request a forbearance. 

In XXXX, my mom was diagnosed with XXXX, so I moved back home with her in XXXX, Wisconsin. I registered to finish my bachelors degree at the University of XXXX  XXXX. My credits from XXXX did not transfer to XXXX, especially after the admissions office at XXXX told me they would transfer. 

I had to pay for the same classes twice at two different schools. I was not able to pay back the loan after graduating so I had to keep requesting forbearances. While I was admitted to XXXX in XXXX and graduated in XXXX, Sallie Mae had my loan on deferrment, accruing interest while I was finishing my undergraduate degree. If my credits would have transferred as XXXX had promised, I would have been able to finish my degree in less time, accruing less interested in the process, resulting in a lower total amount of the loan. 

Now the XXXX school in XXXX has been permanently closed and the for-profit school was bought out then shut down. I have a large student loan that I'm still paying off and will most likely be paying this loan off for the rest of my life. I was misinformed by the school and am looking to get student debt relief. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested additional information in regards to the collection but no information has been provided from the debt collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with AFFIRM INC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: DE
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Social Finance, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/21, I filed an Economic Hardship forbearance request with SOFI/XXXX  due to ongoing medical hardship. Upon sending the requested medical bill ( which is already extremely invasive, given the nature of this matter and HIPAA-Related information on a portion of this bill ), my application was summarily denied twice due to the bill photocopy being cut-off, due to personal medical information being on this portion of the bill. In explaining this to XXXX Consumer Relations, and being told that one would not have to send a portion of the bill that had personal medical information or diagnoses/codes, this was escalated back to the processing team which again denied the forbearance, even in lieu of me explaining the reason for the cutoff bill ( personal medical details ). This bill shows the dates of service, provider, my name, and full charges -- all of which was requested by SOFI. At this time, I am requesting immediate executive level assistance to approve this forbearance given all the time I have put into this matter, prior to a HIPAA Complaint and further action being taken to ensure this is justly applied to my loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: HSBC NORTH AMERICA HOLDINGS 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: Account information incorrect

Complaint:
I purchased an airline ticket with XXXX XXXX and the last minute the flight was canceled by by XXXX XXXX. I was promised a full refund by XXXX XXXX and after waiting for over two weeks I contacted my credit card company HSBC to see what is my best options. And the HSBC Representative told me its best to file a dispute, which I did. I had no outstanding payment due. I received a credit alert telling me my credit score decreased. When I look at my credit report it started : We noticed a change to the remarks listed on your XXXX credit report regarding your HSBC BANK XXXX. My score decreased XXXX point because I contacted HSBC about the purchase I made for a service I never received and I wasnt reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received 2 personal loans in XX/XX/XXXX from Navy Federal Credit union. The last payment made to those two accounts was in XX/XX/XXXX. The accounts were charged-off. On XX/XX/XXXX, I called to set-up a payment arrangement with them. They agreed to a payment plan with me, however, they refuse to provide any documentation stating the agreement we have. They stated I needed to make three payments and then they can send a letter if I request it. I am not comfortable making {$900.00} worth of payments without something in writing showing what we agreed upon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with I.C. SYSTEM, INC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$290.00}

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 2018-06-07
Company: ALLY FINANCIAL INC.
State: OK
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 went to XXXX XXXX in XXXX XXXX Oklahoma on XX/XX/XXXX the internet sales manager promised me that my credit would NOT be pulled and then in less then XXXX hours my credit had been pulled 3 times XX/XX/XXXX I complain to all 3 parties involved XXXX, ally financial, and XXXX XXXX XXXX XXXX  they refused to do anything about this issue so I then filed a complaint with the better business bureau and the Oklahoma attorney general and still nothing I was miss lead in order to get me to give them my information

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 2021-12-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I recently got a call from XXXX XXXX XXXX saying I owe them money. I told them I never open the account or anything with them. They told me the account was open XXXX  and now I owe XXXX thousand dollars. The fraud person used my name and Identity information to open a credit card. The fraud use their address though. So statements would sent to that address. I told the agent I never lived that address. I need to dispute this. So now I'm in the process of dispute my debt collection and need proof that I'm being hurt and need to get this solved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed this company placed a collection on my credit file in XXXX of XXXX for roughly {$670.00}. The collections was for a medical bill that I do not owe and knew nothing about. I never received a call or letter from the company concerning any debt owed. I called the company and explained that this debt is not mine in fact the debt originates from a medical facility I have never even been too. I asked the company to provide me with anything that substantiates that I owe this debt and they couldn't provide me with anything. I also sent the company a debt validation letter to demand a response and I have yet to hear back from the company. TRANSWORLD SYS INC/55 is clearly a fraudulent company and should be investigated by the proper authorities.

Company response to consumer: Closed with explanation