BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: UT
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 is past the Statute of Limitations in Nevada where I received the debt. I no longer owe this and it needs to be removed off of my credit report. I have been trying for some time to get it removed and nothing has been done.

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 2021-10-30
Company: EQUIFAX, INC.
State: TN
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:
Account Name : XXXX XXXX Account Number : XXXX Balance : {$480.00} Account Name : XXXX  XXXX  Account Number : XXXX and XXXX Balance : {$160.00} and {$1100.00} Account Name : XXXX  XXXX Account Number : XXXX Balance : {$120.00} Account Name : XXXX  Account Number : XXXX Balance : {$3400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$550.00} I would like to file a complaint against all three credit bureaus - Equifax, XXXX, and XXXX. I have disputed these five collection accounts since XX/XX/2021 and now that I'm on my fourth letter with the credit bureaus, I am still not getting a resolution from them and the information they are reporting on each item is still inconsistent. 

For one, I have disputed XXXX XXXX XXXX with the credit bureaus and with the collector directly, the first dispute letter I sent to the bureaus was on XX/XX/2021, while it was XX/XX/2021 with the collector. Until now I am still not getting a response from both parties and it is quite frustrating that I have to wait for months and not get any resolution.. I shouldn't have to wait this long to get this resolved. I am trying to get approved for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have been having a very large amount of Fake collection calls from a time barred debt. They are making threats of having me arrested and many other extreme lies. How can I get this information your hands? 

They change their name every time they call and I but XXXX XXXX XXXX is the most commonly used. They are doing everything from changing the last date of delinquency, not following the FDCPA guidelines and making idle threats of having me arrested at my place of work. 

Their latest # is XXXX and they are trying to collect on a cc dept with a last payment date of 2012 I am in Utah so the debt collection time is found here. https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file for litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Saturday, XX/XX/XXXX I noticed a fraudulent debit pending in my checking account. I reported the transaction to Wells Fargo 's Fraud Department. It appeared that someone had paid a bill online using my checking account information. Wells Fargo advised me that it could have been the result of transposed numbers and that they would reverse the debit. On Tuesday,XX/XX/XXXX, additional fraudulent debits hit the account, similar to the first one. Wells Fargo closed the account and did what they called a " lost/stolen transfer ''. I was told that they would not allow any new fraudulent electronic debits to post and received an email with a list of previous electronic debits that were not fraudulent that they said they would allow to post. I began to use the new bank account, but on Friday, XX/XX/XXXX, received an email that my new account was overdrawn. I immediately called Wells Fargo and was told that they had allowed at least one more fraudulent debit to post. I was told by the Wells Fargo agent  that they should not have done a lost/stolen transfer, but closed out the account altogether. On Saturday, XXXX XXXX, Wells Fargo opened a third account for me. I was also advised that they had paid two more fraudulent debits. The second account remains in negative status, is assessing overdraft fees and only the first fraudulent debit was reversed. I was told on Monday, XX/XX/XXXXthat it would take 7-10 business days for Wells Fargo to process the fraud claim and refund the money to my account. However, the remaining fraudulent debits occurred as a  result of the fact that Wells Fargo allowed the transactions to post after they were notified about the fraud and had advised me verbally and in writing that they would be rejected. I 've spent over eight hours of billable time trying to resolve these issues and, as such, it has affected my business and my clients.

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 2019-12-05
Company: EQUIFAX, INC.
State: UT
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:
Equifax is reporting two unnamed medical collections # XXXX and # XXXX to my credit that are past the Statute of Limitations in Nevada. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern: XXXX You are still violating the law by validating the account below without sending the necessary proof that it’s my account and that you have a right to collect on this account. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you “verified” that these items are being “reported correctly” ? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) ( a consumer contract with my signature on it ) and under Section 611 (5)(A) of the FCRA – you are required to “…promptly DELETE all information which cannot be verified.” The law is very clear as to the Civil liability and the remedy available to me for “negligent noncompliance” (Section 617) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX Reported balance: XXXX Opened: XX/XX/XXXX XXXX Reported balance: XXXX Opened: XX/XX/XXXX XXXX XXXX Reported balance: XXXX Opened: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open balance: XXXX Opened: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open balance: XXXX   Opened: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open balance: XXXX Opened: XX/XX/XXXXXXXX XXXX XXXXOpened XX/XX/XXXXReported balance: XXXXXXXXOpened: XX/XX/XXXXReported balance:XXXXXXXX XXXXOpen XX/XX/XXXXReported balance: XXXXXXXX XXXX XXXX XXXXOpened XX/XX/XXXXReported balance: XXXXXXXX XXXX XXXXOpened XX/XX/XXXXReported balance: XXXX I have disputed this charge-off with all three of the credit bureaus, and I was shocked when it came back verified. Please provide me with the records used to verify this charge-off as it is inaccurate like names of the person who you talk to with the company date you talked to the person . Please follow the law (§ FCRA 623 (a) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher) and update me with new correction on the above account within 30 days. I await your response,

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 2021-02-19
Company: CCS Financial Services, Inc.
State: PA
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, CREDIT COLLECTION SERVIC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDIT COLLECTION SERVIC has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Student loan PSLF forgiveness applications are handled only by FedLoan. 

I mailed in a completed PSLF application via USPS mail in XX/XX/2022, and as yet I have never received any confirmation that it was received at all. 

I have tried multiple times to contact FedLoan to request receipt confirmation or instructions, and have been unable to get any answer. 

FedLoan will not allow me to create an online account with them because my loans are serviced by XXXX and not by FEDLOAN.

FEDLOAN must process the PSLF application, so the loans are supposed to be switched to FEDLOAN on their receipt of the PSLF application. 

Today I waited 20 minutes on hold to talk to a FEDLOAN service representative about creating a FEDLOAN account, but he immediately told me he had no info and that I couldn't create an account until making FEDLOAN my servicer.

When I asked for basic confirmation as to whether FEDLOAN has received my PSLF application, the rep told me that he'd have to transfer me to a different department for that information. I waited on hold another 20 minutes, then hung up because I'm at work.

The PSLF application process is involved and time-sensitive. I have now wasted nearly three months waiting for any response for FEDLOAN, and I have now received an entirely unacceptable level of customer service in trying to contact them for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Calling family members that were not on the account and constant phone calls to my number harrassing all hours of the day leaving voicemail on relatives phones that they must have searched for them and their numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Hi im filing this complaint because I have a bunch of inaccurate accounts on my credit report that I have tried to get all 3 bureaus ( transunion, XXXX and XXXX ) to remove according to The FCRA, FTC and FACTA but to no avail. I first sent out a dispute on XX/XX/2021 and have been sending letters every 30 days until now but they have yet to to what is mandated of them by law. These accounts are causing injury to me and my family and they need to be removed. I've tracked all correspondence with each bureau and I am also sending the letters on this complaint so that none can say that they dont know what I'm talking about. Each bureau is In Violation Now for either a Reaged account, activity after the account was closed, no Notice of dispute or just plain out refraining to fix and remove each account reporting false data. 
I need someone to please help me get these folk to delete these accounts that are obviously reporting inaccurately. 

P.s Ive attached some of the letters to each bureau so that the gross negligence of these companies/ bureaus may be seen.

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 2019-02-01
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Credit Inquiries : XXXX XXXX/XXXX Co Dual Card inquiry XX/XX/2017 P.O. Box XXXX XXXX, FL XXXX XXXX XXXX Inq. XXXX P.O. BOX XXXX XXXX, FL XXXX XXXX/ XXXX XXXX Inq. XX/XX/2017 P.O. Box XXXX XXXX, Fl XXXX XXXX/XXXX Credit Inq. XX/XX/2017 P.O. Box XXXX XXXX, MD XXXX XXXX XXXX Inq. XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Inq. XX/XX/2017 P.O. BOX XXXX XXXX, TX XXXX XXXX XXXX/XXXX XXXX Inq. XX/XX/2017 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2017 XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
My daughter and I jointly signed a lease for a  XXXX   XXXX   XXXX  fro m Ally Financial.   <P/> At the end of the lease there was a charge for excess wear. While I did not dispute some damage, I felt the charge for repair was excessive. I had ab  out three calls with Ally to discuss this.
<P/>  On  XXXX / XXXX / 17  I spoke with Ally regarding the dispute. I said I would be willing to settle for half of the {$290.00} charge or {$140.00}. The representative agreed and requested an immediate payment of that amount. I agreed and gave them bank account information to debit my account which they did. I consider the matter closed.  <P/> I then received a letter from Ally dated  XXXX / XXXX /17 ( pag e 2 of atta ched ) requested payment of a balance of {$150.0 0} ( original amount of {$290.00} less a {$7.00} processing fee and {$140.00} applied to the claim ). Ally had applied what I agreed to as a settlemnent in full as a half payment. That is not what I agreed to.   <P/> When I called them to discuss, they claimed they do not settle for less than full payment and denied their representative would agree to such.  <P/> I have decided to pay the balance to protect my credit but beleive their collection activity was clearly fraudulent.

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 2019-12-05
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A balance was transferred into my name although it is knowledge of the company that the account was not opened by or did not belong to 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 2017-06-07
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After solving this problem several times now it is occurring again. On  XXXX / XXXX / 2017  I made a purchase that left a {$2.00} balance. On  XXXX / XXXX /   2017  I deposited {$80.00} then {$220.00} from  XXXX . However in stead of depositing monies to my account I was charged late fees of {$37.00} twice, with my {$80.00} never being credited to my account as of today b y Huntington bank. Also just on my account there is n't any direct email or chat room access when everyone  else has those access.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-20
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I dont use the account often but I had an insurance payment issued into it so that it would be safe and saved for a new car when I was ready then when I finally was ready I went to withdraw the money and found it had been stolen and someone made a {$5000.00} withdrawal and a few other purchases with my card I still dont understand how because I still have my debit card but I reported it and the bank Denied it once saying that I had to prove myself innocent but how do I prove myself innocent Im a victim of fraud not a criminal

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: EQUIFAX, INC.
State: LA
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 have several hard inquires that I did not authorize showing on my credit report. I have sent letters to Equifax regarding this issue and called them on  XXXX   XXXX ,   XXXX   and spoke with  XXXX  agent id #  XXXX . I advised her that the hard inquires listed ( see below ) was not authorized by me and I have made several attempts to have them removed. There is no signed paperwork or documents proving that I submitted applications with any of the company 's listed below. Per FCRA the credit bureau must report accurate information and investigate when the consumer request and investigation. None of this was done and Equifax is in violation of the FCRA due to this issue. Please assist with removing the unauthorized inquires below ....       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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: ZINC Financial, Inc.,
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Im being harassed. Im never late on my loan. Never been 1 month late yet I seem to get threatened every month that they are going to repo my car today. It shows on my credit report Ive never been late. They call me every day almost. Plus they harass my coworker on her personal line since I used her as a reference and call my mother and tell her my loan information. She has a XXXX  problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On    2010   XXXX   XXXX  my Bankruptcy   was discharged, And when I go look at my status it 's still listed on my report .I tried to contacting them thru filling out a Dispute and it kept through in me out of there site, quite a few times.
It states these, Derogatory public record or collection filed. ( Not listed ) on other reports .Also time since delinquency to recent or unknown covering all bases.amount owed o  n delinquent accounts should n't be any.proportion of Balances to credit limit is too high on bank revolving accounts do n't have any on file.number of inquiry impacting the score. They gave  XXXX  's  XXXX  a  XXXX  and I have A  XXXX .  XXXX   XXXX  is very deceiving company PS. The Bankruptcy should be off record I have proof I am credit fit as proven by my 100 % pay  Back worthyness.please review Experian  and  XXXX  too thanks again

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 2022-04-26
Company: EQUIFAX, INC.
State: NY
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 XXXXt Account # XXXX, 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