BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
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:
I want to report Identity Theft that has been going on for years. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened. I've sent dispute letters in the past and have been having a hard time getting everything 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 2017-06-21
Company: Conn's, Inc.
State: NV
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 am writing to complain about Conn 's Furniture and their deceptive credit reporting practices. On XXXX XXXX 2017 I purchased a bed from Conn 's based off the premise that I was financing approximately {$2200.00} for said bed. They issued a credit limit of {$6000.00} so I thought I was being financially responsible for not maxing this limit. <P/>Cut to today XX/XX/2017 and XXXX XXXX informs me that my FICO drops 100 points! Reason being, Conn 's is reporting that I financed {$4800.00}. This is false information. I was told by the customer service rep when I called in that this is the # 1 complaint they hear and all I can do is write in to complain ( which I did ) and hopefully someone in " upper management '' will make a change. This is wrong! <P/>My understanding of the contract was as follows : 1. My amount financed is approximately {$2200.00} 2.  I received 0 % interest for 12 months, meaning if I pay the {$2200.00} balance before 12 months I pay off the balance owing 3. If I stick to the proposed payment of {$130.00} for the term of 36 months, THEN I would have paid {$4800.00}. <P/>NO OTHER CREDITORS USING PREPAID FINANCE CHARGES IN THEIR REPORTING. Otherwise, people who finance auto loans would show the total amount financed based on the installment schedule as the starting balance. ABSURD! <P/>The reporting methods of Conn 's is fraudulent because it is untrue. It reports an incorrect picture of me as a consumer because this misreporting of my credit usage gives creditors the impression that I am irresponsibly using credit which is the biggest impact on one 's credit report. I 've paid my bills on time and closely monitor my report for such discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I submitted PSLF update for months worked this year. I also submitted a REFUND REQUEST for my payments made under the CARES act between XX/XX/XXXX and XX/XX/XXXX to XXXX. The sum total of those payments was approximately XXXX $ and I submitted records of all payments made ( both my bank account and XXXX XXXX ). I spoke with XXXX, employee ID XXXX. 

On XX/XX/XXXX, I requested an update on my refund request. I spoke with XXXX, employee ID XXXX. She said that the previous entry had been done incorrectly - that all of the payments were lumped when in fact they needed to be entered into separate scripts. She said that she had re-entered them correctly but said it could take up to 120 days for payments to come through. 

On XX/XX/XXXX, I received notice that my PSLF had gone through and I had XXXX dollars left on my loan principal/interest! I was very happy about this but have yet to hear about my refund requests. 

I am reaching out now because I have no updates on my ( XXXX $ ) refund request to this point. I have seen posts from people stating that 1 ) they are receiving refund requests within 10-14 business days and 2 ) often, refund processing was preceeded/helped by a complaint to CFPB. I am requesting your help to get FEDLOAN/Dept of Treasury to please process my refund request, as they are doing for others. Please, I would greatly appreciate anything you can do to speed them up!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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:
In XXXX of 2022 this year, I submitted a request to the credit bureaus because I noticed that there is some inaccurate information being reported being reported on my credit reports. I have not received the information back about these accounts or how the accounts were verified to be placed on my credit reports. I am also aware that my information was in the recent Equifax Data Breach in which I have asked that all bureaus remove the non-account holding inquiries and inaccurate personal information from my credit profiles. Of which I have received no correspondence back at this time. I am requested for these to be deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  account Hard Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX these hard inquiries have violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-06-21
Company: EQUIFAX, INC.
State: GA
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:
On XXXX XXXX, 2017 I place a fraud alert on my credit file that indicates that if anyone runs my credit, they need to call me to verify and that was not done which violates my rights as a consumer. I reach out to XXXX, and Equifax on more than one occasion to advise them of these unauthorized inquiries and they have done nothing about it. I also have a police report for my wallet being stolen which had some of my personal information in it and I believe that someone has been trying to apply for credit in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: OH
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later and I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. In Section 611 ( a ). it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 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 have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2019-12-02
Company: General Motors Financial Company, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX I sent a cease and desist letter for no further contact about a debt owed on XX/XX/2019 via certified mail. The card was signed by an employee upon return to me to notify of it's receipt. XXXX XXXX XXXX in turn did not provide me a letter after about proving debt to the address I had requested IF debt was valid. All credit reports state no debt is owed and no derogatory marks are listed. I had informed them in my letter that if they contact me again that I will file a complaint with the Federal Trade Commission and all calls will be screened. At XX/XX/2019 they had contacted me again. They were informed of recorded calls again ( via XXXX XXXX XXXX ) and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Cooling and Winter, Attorneys at Law, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone XXXX This law firm is trying to collect a debt which is not mine. They continue to send me letters representing XXXX XXXX XXXX. I actually have a credit card in Excellent standing with XXXX XXXX XXXX. It is current and I have a large credit line. Cooling and Winter has sent me a credit card application dated XXXX XXXX, XXXX that is a forgery. It does not contain my handwriting nor my signature. Clearly someone using my identity. Please have them cease and desist and clear this fraudulent account. 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 2017-06-21
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX, XXXX I made a purchase at Victoria secret and the store associate told me that if I sign up for the card I would receive a discount but nowhere did she tell me that the items would be charged on the credit card all this time I thought I paid for it with my debit card and decided to close the account before they could charge me for just having it but then I start receiving calls and I finally picked up in last week of XXXX and that 's when they told me that there was a charge on the credit card from Victoria secret and since I have n't paid it there has been late fees and I told them that there was a mistake because they failed to mention that the items would be charged on the credit card and the customer service refused to help me and since I work at a school and I do n't work summer I have no way of paying it yet but when I called again to see if I can dispute it the guy says why do n't I get a job and asking me how do I pay my other bills, they need to be fired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-07
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
When I altray fist got my wells fargo active cash card we me and my husband has documentation that there would be no charges on both cards for 18 months. we both had cash advances option that was stated we would be charge fee for cash advance. i have had credit cards for over 12 years and i understand how they work but this company waits until i make the monthly payment and then go back and add money 2 my balance every month. First question is why isnt it included in the monthly payment. you cant keep adding money 2 my balance once i pay it down the 2 thing my husband got a cash advance also but they don't charge him extra fees. and the point i making is you pay for a cash advance when you get the cash and i only got 2 they charge me then the only thing they can do after that is charge intrest on cash and that should be included in my monthly payment. the second thing is i had card for 8 months than all sudden they started adding money on the account every month after i have made the payment we original got cards in XXXXXXXX XXXX XXXX just had them a year. no intrest on purchases for 18 months both cards. and i have several credit cards and this is only card they do this on. i saying its fraud. And i want this looked into

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 2022-09-07
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
My Identity was compromised, and i have been trying to get it fixed for the past year and everyone keeps giving me the run around. i have filed complaints, submitted in documentation to the credit reporting agencies so i can take my life back and no one is taking me serious. 

my wallet was stolen while i was out of state and the person that stole my identity opened up multiple fraudulent credit card accounts, as well as got insurance in my name. all of this has been highly injurious to my credit file.

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 2017-06-22
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Home mortgage company has lied to me on several occasions during my attempts at a loan modification. The assured me they would have my file transferred to a home preservation specialist in time to meet deadline on the Making Homes Affordable program.That did not happen, so I no longer qualified for that program They denied my modification and appeal, saying that it conflicted with with bankruptcy, even after my attorney told them we could adjust the bankruptcy to fit there terms.
I requested another chance at a loan modification, stating my finances had improved and they said they would send me out another packet, but after not receiving one, I called to see what 's up and they said they were not going to let me re- apply.
<P/>
At one point a supervisor said they needed till the middle of XXXX to make a decision, but it turns out that the decision had already been made ( appeal denied ) and they were trying to bide time for bankruptcy protection to end so they could start foreclosure process. The last Specialist that was assigned, never talked to me once and never returned one phone call.
If I had n't called, I would have never known. Usually takes 2 weeks to get a letter from them that is dated way back. They write them and date them but do n't send them out, so everything is 2 weeks behind, which cuts down responses time.
At one point they said I was approved and then came back and said, oops we made a mistake, you 're denied. I have ask them for 2 months to sell the house, for I have equity, and they refused, so now they are going to start the foreclosure and I will loose all my equity. This has been a most horrific experience. It all started due to medical issues, which I have recovered from fully and I am in full swing again, except I am going to loose my house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is an issue with all 3 credit bureaus not deleting out of statute accounts, and not allowing me to re-dispute. They are re-aging tge accounts, and in one instance, the account with XXXX XXXX XXXX was paid off completely, but marked as never paid to all bureaus. This is so frustrating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is an issue with all 3 credit bureaus not deleting out of statute accounts, and not allowing me to re-dispute. They are re-aging tge accounts, and in one instance, the account with XXXX XXXX XXXX was paid off completely, but marked as never paid to all bureaus. This is so frustrating.

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 2022-02-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Resurgent Capital Services L.P.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Called Resurgent in regards to an account, and was told I had 2 accounts, which we discussed. I was informed account was sold to them, yet not given a sold date. I have never received notices from either creditor or collection agency, in regards to this. I do not know when the account was allegedly placed for collections. 

Also account was to be placed in a medical hardship status with the original creditor. I was informed that activities would be suspended until recovered from medical condition, to which I have yet to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
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 information incorrect

Complaint:
XXXX XXXX Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute Account XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX ; Collection XXXX ; XXXX  Collection XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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