BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I RECEIVED A CALL FROM PHOENIX FINANCIAL ABOUT A DEBT OWED TO XXXX XXXX FOR XXXX XXXX. I ADVISED THEM THAT THE INFORMATION THEY HAVE IS WRONG AND I HAVE NEVER RECEIVED CARE IN XXXX XXXX AND HAD NOT BEEN TO XXXX XXXX IN OVER 10 YEARS. They got snotty about owing and not paying and said they would place it on my credit report. I advised them that they have the wrong person and would now be knowingly placing false information on my reports. They did so anyway. I have disputed this many times for the same reasoning. I have never received care in XXXX XXXX and have not been to XXXX XXXX. They continually place this harmful and false information on my credit report. I have requested copies of the identification given at the time of service and the services rendered. I have received neither- the information has only been updated on my report as not being paid. But I do not owe for this account. They have called me time and time again and when I refuse to verify any information they have even gone to calling me out of my name. There are days when they call me early in the morning and in the late evening after XXXX PM. They will at times call me back to back disrupting my work day!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: WELLS FARGO & COMPANY
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have had many problems with Wells Fargo disbursing the correct amount of tuition I asked for in my loan. They are expecting me to apply for a second loan when I only asked for one loan from the beginning. I have had to call many times due to incorrect dispurment of school funds and I even got a late fee for tuition in the 1st semester. It does not make sense to apply for two different loans in the same school year and that 's what they are trying to make me do. Wells Fargo never got it correct from the start and it has been extremely frustrating dealing with them over the phone. I am not capable of going to school for my second semester because they are not disbursing the correct amount. They are not being of help and I have talked to more than 3 representatives and an executive about the problem. I finally spoke to a respresenative on XX/XX/2017 who understood my situation and he explained that he would speak to my lender and have an answer for me by XXXX on XX/XX/XXXX. I never receive anything from him and I was forced to call Wells Fargo to check in on the loan process once again. The women I spoke with told me the male agent was not in the office today, when I was expecting a call from him because he told me he would inform 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
Consumer complaint received 2016-06-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Wells Fargo continued to bill me for payroll services since XXXX 2016. In XXXX 2016, I contacted payroll services and they continued to bill me for payroll services at {$65.00} a month. Additionally, I emailed payroll services in XXXX 2016 to terminate all payroll services and my manager told the branch to terminate payroll services. I did not hear anything back and continued to be bill. Today, they drafted another {$65.00} out of my account for XXXX 2016. So far I have been charged {$320.00} for payroll services since XXXX 2016. They are violating federal and state laws continuing to bill me for services and I want a refund.

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 2015-10-05
Company: Receivables Performance Management, LLC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receivables performance management started calling my husbands cell phone on XX/XX/2015, and have called either it or the house phone almost everyday since then. At the time of the first call he set up a payment plan for XXXX payments of {$25.00} ever other week because that is all there system could do. They have started calling our house almost every day since then and have asked for a post dated check. They asked my husband to set up payments on his dept card for next year after telling us they could only set up XXXX payments at a time they were also wanted us to agree to giving them XXXX payments of XXXX in XXXX and XXXX which we can not afford and would not agree to they also suggested we could use out tax check from next year to help out this all happened today XX/XX/2015.. We have asked them several times to please stop calling and they continue to call. We also have XXXX emails with the payment plan between them and us on this matter. They also get rude and hang up on you before you can finish discussing the matter of why they keep calling..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I currently have a judgment that is being reported on my Equifax credit report. The creditor is XXXX. I disputed this judgment with Equifax for inaccuracies regarding this public record. I currently received a copy of the reinvestigation from Equifax. The information that I received from Equifax states " we have verified that this public record item is reporting correctly. '' I am attaching documents that will prove this is not true. Equifax has my judgment satisfied date as XXXX. The date I satisfied this account was XXXX/XXXX/2015. The amount I paid was {$1300.00}. The amount listed on my Equifax credit report is showing {$1200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax is requesting an additional 60 days to the Consumer Financial Protection ( US ) as of XXXX/XXXX/2016. Equifax mentioned this is what XXXX XXXX , XXXX is reporting however XXXX, XXXX can not provide me signed documentation or proof I owe this debt. It 's my belief Equifax is violating the " Deceptive Trade Practices Act ''. Equifax should report information correctly or remove it within 30 days as they advertise. Asking for a 60 day extension with the Consumer Financial Protection is unacceptable and deceptive in my belief of how they conduct investigations. After my original dispute it should not be reported unless the company had accurate documented backup.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was told by Equifax consumer affairs that I placed a credit freeze on my credit account that is preventing me from accessing my credit report and score. I did not place this credit freeze and disputed it with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Maximus Education, LLC dba Aidvantage
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act DEPT OF ED/AIDVAnt 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Attempted to retrieve my annual credit report on-line from Equifax ( via XXXX ) on XX/XX/2020 at XXXX EST. Equifax stated they are unable to provide on-line delivery of my credit report and that I am required to submit the request via postal mail ( see attached ). 

With all due respect to Equifax, the other credit reporting agencies ( XXXX XXXX XXXX ) were able to provide my credit report on-line. Please advise. 

Would appreciate your assistance with this matter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Reverse Mortgage Solutions, Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I took out a reverse mortgage with Reverse Mortgage Solutions, in the amount of XXXX, XX/XX/XXXX. I was delinquent in my taxes and insurance, so they agreed to redo my agreement and let me pay them back monthly, which I did, faithfully, every month. I have been putting money in a savings account to pay this year 's taxes, and took out an insurance policy to cover the mortgage this past month. I had a verbal agreement with the woman handling my account to pay back the loans for the taxes and insurance. On XX/XX/XXXX, I got a letter in the mail from Reverse Mortgage Solutions, telling me that I needed to pay off the full amount of the loan, or go into foreclosure. I called the lady today, however she told me that her boss decided to not renew the loan, and instead asked for the full payment of the loan, or go into foreclosure. I am a XXXX, retired person with no job and no way to pay off this mortgage, which was not my original agreement in the first place. Every one of my conversations with my contact were recorded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: MN
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:
Equifax I would like to Exercise my right using the fair credit reporting act 609 section act its states if a consumer may request its full credit reports including all information that is in the reports including investigation from prior investigation send me everything that is in my credit file Im concerned that you believe some credit repair company is sending information to you please send me everything in my credit file Company 's Response Thank you for submitting a complaint through the CFPB Complaint Portal. The format, verbiage, and associated document ( s ) in this complaint are similar to other complaints received from credit repair companies. Because this complaint does not appear to be a direct communication by a consumer, Equifax will not initiate an investigation into the disputed item ( s ) at this time. Please be advised that you do not need a credit repair organization to help you with your Equifax credit report. You may contact Equifax at XXXX or visit https : //www.myequifax.com to create an account, manage your Equifax credit file, and initiate a dispute. Please note that any subsequent submissions utilizing the services of a credit repair organization will be handled in this same manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XX/XX/XXXX, I reported the unethical manner in which a law firm/collection agency obtained a judgment for their client. The reference number for this case is XXXX, ( still under investigation as of today 's date ) within this complaint I detailed how this process will greatly harm me and my family. Well just like I proposed in my complaint -- the three reporting credit agency included this information on my credit reports as of XX/XX/XXXX, my credit score has decrease 35 points. I am requesting again that this agency intervened in this process, upon reviewing my previous submitted complaint you will find that I reference my concerns as it pertains to my credit report and how this information will affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: IQOR US INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is trying to use Allied interstate to collect a debt of over {$600.00}, claiming I have a storage unit with them. On XX/XX/22 I opened a storage unit with them. On the next day XX/XX/22 I closed a storage unit with them because it did not fit my needs. They know that in their system I am not a customer. 

I have no active units with them and owe {$0.00} They are trying to collect a debt that is not owed. 
I was also enrolled in auto pay through my credit card. So this makes zero sense.

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 2020-08-03
Company: BANNER CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XX/XX/2020 through a series of 5 transactions of {$1900.00} ( the maximum amount allowed per transaction ) I transferred {$9500.00} from my Banner Bank account to my XXXX account. None of my transactions were completed, of the 5 transfers I requested, 2 were returned to my Banner Bank account but the other 3 are still missing ( for a total of {$5700.00} ). 

I spoke to XXXX XXXX and they said that they have a tracer number for each of the transactions indicating they returned the transfers. However, Banner Bank is stating that they have not received the transactions back from XXXX. 

Banner Bank : XXXX XXXX XXXX XXXX, WA  XXXX ( XXXX ) XXXX XXXX XXXX  : XXXX   XXXX XXXX  XXXX XXXX CA  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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here is the detail of the late payment accounts, company name, balance & date last reported : XXXX/ {$140000.00} / XX/XX/2021

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 2022-04-21
Company: Experian Information Solutions Inc.
State: OH
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:
Experian has continuously violated my federally protected consumer rights. Your company is violating me as the consumer by furnishing inaccurate, unfairness, and privacy information on my consumer report without my written permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ). I am a victim of identity theft from the t-mobile data breach, your company is furnishing and reporting FRAUDULENT accounts on my consumer reports. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so properly the past several months. I'm demanding you to block the information reporting no later than 4 business days pursuant to 15 USC 1681c-2 ( a ).

" A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' 15 USC 1681c-2 ( a ) - XXXX XXXX XXXX XXXX XXXX ) - XXXX & XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2022, I tried to lift a security freeze at ChexSystems. With all of the other credit bureaus I am able to log in to my account and place or lift a freeze with ease and within minutes. ChexSystems no longer has accounts in order to take these actions, which should be effortless for the consumer. Instead a pin system is used, which requires antiquated fax or snail mail to receive. Are we living in the dark ages? 

To resolve my issue, I called the company, multiple times, and only get automated messages. Requesting a human support representative I am told no representatives are available, even though it was within the time period representatives are available. This should be illegal. 

This jumping through hoops is going to XXXX up my ability to get a loan with the terms and purchase the new vehicle at the only time I am available to travel to pick it 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 explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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: Was not notified of investigation status or results

Complaint:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here is the detail of the late payment accounts, company name, balance & date last reported : XXXX/ {$140000.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Employment Info : Self Employeed XXXX XXXX XXXX XXXX. This is inaccurate and I gave nobody permission to post false information or nay information about me. 

XXXX XXXX XXXX XXXX : This is my account and accurate. Only this Inquiries ..... 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX I have not given any of these company 's permission to pull my credit report. This is inaccurate reporting and I want this removed. 
XXXX XXXX XXXX Reported XX/XX/XXXX {$930.00} Outstanding XXXX XXXX XXXX Reported XX/XX/XXXX, {$930.00} Outstanding. This is not my account. This was my ex-roommate 's account with a rental company and other than living in the same house I had nothing to do with. This is inaccurate and ridiculous. This needs to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXX This is NOT one of my creditors. This needs to be removed asap. 

I am trying to establish my credit and these false and belligerent reporting 's have really messed things up. I hope this gets resolved asap.

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 2016-04-27
Company: MINNESOTA LIFE INSURANCE CO., THE
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
the almost the entire payment goes to interest not the pres able the balance is not going down

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: MI
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:
Employment Info : Self Employeed XXXX XXXX XXXX XXXX This is inaccurate and I gave nobody permission to post false information or nay information about me. 

XXXX XXXX XXXX XXXX : This is my account and accurate. Only this Inquiries ..... 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I have not given any of these company 's permission to pull my credit report. This is inaccurate reporting and I want this removed. 
XXXX XXXX XXXX Reported XX/XX/XXXX {$930.00} Outstanding XXXX XXXX XXXX Reported XX/XX/XXXX, {$930.00} Outstanding. This is not my account. This was my ex-roommate 's account with a rental company and other than living in the same house I had nothing to do with. This is inaccurate and ridiculous. This needs to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This is NOT one of my creditors. This needs to be removed asap. 

I am trying to establish my credit and these false and belligerent reporting 's have really messed things up. I hope this gets resolved asap.

Company response to consumer: Closed with explanation