BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted Trans union credit union several times, regarding an account that is being reported on behalf of a company in error. I have supplied Trans union with documentation from the company, by the name of   XXXX   XXXX   XXXX  . I submitted to Trans Union a letter that stated they are not able to provide proof of debt because they have no records of me on file. Trans union has failed to delete that creditor off of my report after receiving notification from the alleged company. I have written to Trans Union as well as submitted to them all correspondence letters between my self as well as   XXXX   XXXX  . I am requesting for the claimed debt to be deleted off of my credit file in the amount {$11000.00} reference to  XXXX  account. This has been an on going investigation since  XXXX .2017 and the creditor has not been able to validate the claimed debt. Therefore, four months later this debt should be considered invalid and deleted.

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 2019-12-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.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 non-monetary relief
Consumer complaint received 2021-11-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have tried reaching Wells Fargo multiple times and they do not respond. I would appreciate a follow up call as promised by my home preservation specialist, but she has not followed up.

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 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My consumer rights was violated under 15 USC 1681b ( a ) ( 2 )

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 2020-10-07
Company: Experian Information Solutions Inc.
State: VA
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:
Hello, I sent correspondence over 60 days ago and my credit account remains affected by the incorrect information being reported. I send the letter on XX/XX/2020, I feel like Im being taking advantage of and I do not appreciate it. I was also affected by the XXXX data breach which is causing problems for 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 2021-11-15
Company: Debt Recovery Solutions, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
XXXX illegally approved me for a payday loan. Virginia law prohibits more than one payday loan at a time. Virginia law also states that illegal loans do not need to be repaid.

Debt Recovery Solutions has placed this account as a collection on my credit report. This company never contacted me prior to doing this to give me the required 30 day debt collection notice. 

Despite XXXX having been told on several occasions that this debt can not be recovered, they continue to submit this to collection companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Maximus Education, LLC dba Aidvantage
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I reviewed my credit report and saw an inaccurate account reporting. I consolidated my student loans with XXXX and the balance was PAID IN FULL and transferred to the new loan XXXX Aidvantage. However, the original student loan is still reflecting on my credit profile. This error is impacting my credit scores as my DTI is elevated. I have sent out dispute letters, but my request has been ignored. Please remove this from my credit report at once! Its illegal to report outdated information. This balance was satisfied in FULL and needs to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is ridiculous I paid this not even knowing if it was a bill I owed because it was reported on my credit and it still reports as if I owe. I have disputed and it is still on there. Please help get this account removed 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 non-monetary relief
Consumer complaint received 2021-11-15
Company: Certified Credit & Collection Bureau
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY CERTIFIED CREDIT & COLLECTION, PURCHASED A DEBIT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THIS TRANSACTION. 
ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only XXXX Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that XXXX the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
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 information incorrect

Complaint:
Experience is not withholding to the law. According to the FCRA, In thirty ( 30 ) days the credit bureaus have to reply to my disputes letters, which they did not ... So furthermore legally these unverified and unauthorized items must be removed!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
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:
XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt for the past 10 months. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and contract bearing my signature, they have not done so ... No legal documentation at all! Their claim is Hearsay according to law so I don't understand how they get away with putting this on my credit ... No proof. The credit bureaus have not supplied any documents and seem to support XXXX XXXX XXXX even though they are not following credit laws. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$3400.00}.

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 non-monetary relief
Consumer complaint received 2021-04-07
Company: TRUIST FINANCIAL CORPORATION
State: GA
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:
In 2017, XXXX  leaked the personal data of over XXXX XXXX Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting a fraudulent account. I know for sure that a collection company can not collect a debt on behalf of another, this debt does not belong to be and I have never done business with you.

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 2019-12-09
Company: M&T BANK CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For the last 9 months I have not been called by anyone from M & T bank. They reported a repossession on my credit even though the account shows as current in their system. I never missed a payment. XXXX XXXX and XXXX XXXX do not return calls and they do not give emails. My credit report has shown an incorrect repossession for more than 5 months. This is the worst customer service I ever witnessed in my entire life. Seems like the bank is participating in a conspiracy to intentionally destroy peoples lives.

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 2019-08-28
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX XXXX LoanCare LLC. I tried to log into the LoanCare payment system to schedule my XX/XX/XXXX payment. The Loancare system says my SSN is " invalid ''. I called the Loancare LLC customer service number and was told that I have 60 days without any adverse effect ( late fees, credit score ect. ) I asked for any documentation to that effct and was told it does not exist. Ads of the moment- I can not schedule my mortgage payment and have nothing but a verbal say so from am anonymous rep that I will not be negatively affected by their delay

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 2021-11-15
Company: PNC Bank N.A.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a auto loan through XXXX previously and the bank was purchased by PNC. It took me months to actually get access to my account. I finally ( after being hung up on at least 10 times ) got access to my account, got logged in and made a payment. 6 days late... 

That said logged into my account for the second month and tried to make a payment. This time everything appeared normal, except when clicking on submit. Get an error on the page that said the payment couldn't be scheduled. Tried to do a second time, with same error. 

Proceed to try to add a new external account and it informs that I can't have the same account added twice in the online portal. Proceed to delete the original as following directions on the website, and it informs me I have scheduled payments? How could this be? Oh looky there, PNC has now two scheduled payments and 0 ways to unscheduled a payment. Payments they informed errored out so we submitted again. Yet they are still going through. Customer support is not available to fix the issue. 

PNC shouldn't be in charge of managing a XXXX yet alone peoples money and lively hoods. 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 2022-02-19
Company: GVA Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was in a pretty desperate situation and took out a loan for {$1500.00} with target cash now. I had previously had a loan with them and the loan payment was quite a bit less. So, to help pay my bills I took out a second loan with them. For a loan of {$1500.00}, I now have a payment of {$490.00} every two weeks. I will be paying back approximately {$8000.00} on a {$1500.00} loan. This is putting me into a worse situation than I was in before and I am desparate to get some relief and be able to get current and stay on top of my monthly bills. I dont know what to do to get myself out of my current situation, but I feel like I am so far under water that my situation will keep getting worse. Please let me know what I can do to solve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I am nearly due to start paying back my loans so I was going to call  XXXX   XXXX  to arrange payments. The first number   XXXX   provided was a scam and the company I called pretended to be Fasfa. They got me to give them a password request change number without realizing it until it was too late. Which gave them access to much personal information besides what I had provided. As soon as I hung up I started to try and rectify the problem I Had created. I contacted the bank, fasfa, the department of education, local law enforcement,  XXXX , etc.   In total I was scammed to give up information to a company that acted as though the were fasfa only later on saying they were not a government affiliated  site.They are  going by the name  XXXX   XXXX   XXXX   XXXX   Phone:  XXXX  The attorney generals office informed me to submit a complaint here.

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 2017-06-05
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I am nearly due to start paying back my loans so I was going to call  XXXX   XXXX  to arrange payments. The first number   XXXX   provided was a scam and the company I called pretended to be Fasfa. They got me to give them a password request change number without realizing it until it was too late. Which gave them access to much personal information besides what I had provided. As soon as I hung up I started to try and rectify the problem I Had created. I contacted the bank, fasfa, the department of education, local law enforcement,  XXXX , etc.   In total I was scammed to give up information to a company that acted as though the were fasfa only later on saying they were not a government affiliated site.They are going by the name  XXXX   XXXX   XXXX   XXXX  Phone: XXXX  The attorney generals office informed me to submit a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
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:
Have repeatedly called CBS to ask for a hard copy itemized statement as to the six accounts showing as delinquent medical bills over the last two physical years. These accounts begin to show at the end of XXXX and no contact was made until mid XX/XX/XXXXwhen the annual credit report was printed. 
The dates and amounts are as follows : XX/XX/XXXX {$760.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$130.00} These are all reported at " XXXX XXXX XXXX XXXX '' ( XXXX ) I have called billing offices at XXXX they tell me both at the local, XXXX KY office and at their headquarters they have zero accounts showing in collections or otherwise. To their knowledge these accounts never existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This person has been calling for months claiming to be from the power company trying to save me money on bills. After  XXXX  the number I found it 's really a collection agency. They call multiple times a day even after I added the number to my reject call list.

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 2019-12-09
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:
XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt for the past 10 months. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and contract bearing my signature, they have not done so ... No legal documentation at all! Their claim is Hearsay according to law so I don't understand how they get away with putting this on my credit ... No proof. The credit bureaus have not supplied any documents and seem to support XXXX XXXX XXXX even though they are not following credit laws. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$3400.00}.

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 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/2021, I made a reservations on XXXX XXXX at XXXX using my Citi bank Credit card. Amount was USD XXXX and I never been into the hotel and cancelled the reservations on advance. It is reflecting on my XXXX portal as Cancelled reservations. But I never received the refund. So I did disputed the charges with citi double cash master card. Citi gave me temporary credit and then they revered back stating they contacted the vendor and mentioned it is non-refundable hotel reservations. I am really stuck here especially during this pandemic time. With the Covid situation happening, I have cancelled the hotel reservation in advance but has been charged without utilizing their service. I request the consumer finance government team to help me to solve this issue and help me to get the refund. Thanks so much.

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