BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I applied for a home loan through my bank, Wells Fargo. I was pre-approved. I submitted a contract and moved forward with the process. During the process I was never asked about previous real estate purchases. I had in XXXX bought a building through a tax sale. I paid cash for the building after the auction & there wasn't any loan, mortgage or such. I didn't bring it up during the loan process because it had sold twice since I let it go ( after I bought it, I paid to have the electrical panel replaced and then was told that I had to fix the back wall before I conducted any business there. The building was over 30 foot tall and someone prior took out a window from the brick building and bricked it up and now the back top wall appeared to be leaning. Noone condemned the building until I bought it..then they condemned it giving me a set time to fix the wall. Estimates from those who would even consider the job stated at least XXXX to start then who knew after it was started. I could not afford that without starting the business so I let the building go back into the tax sale. Underwriting at Wells Fargo for my new loan kept sending me task requests to explain *my foreclosure, short sale ..I wrote several letters to explain this was a tax sale, no mortgages or loans. Then after weeks of letters I was denied my loan stating that Wells Fargo has a 7 year rule for foreclosures and such and my transfer of title was XXXX years ago. I bank with Wells Fargo, my social security goes directly to my bank account there. My rental checks are cashed through Wells Fargo. I planned on having my payments auto deducted from Wells Fargo. My house payments would have been $ XXXX LESS than my rent payments. ( I sent upon request my landlords manager name and number. He states that Wells Fargo never called to verify or ask anything ). So after denial XXXX XXXX my loan officer asks do I want to try for an FHA loan @ a " bit higher '' closing costs. A bit higher was XXXX compared to the XXXX that I was paying in closing costs & 1.5 % on a XXXX house. I had previously explained to XXXX that the house would NOT qualify for an FHA loan and that the sellers were unwilling to bring it to code. I had already paid XXXX for an appraisal. To be told that I'm denied because I'm considered *high risk*. I am writing this rebuttal to overturn my underwriters *decision. XXXX XXXX XXXX. Ps I have MANY documents that I have sent over to Wells Fargo. Please ask if you need any for this investigation. My contract states that my loan should be closed by 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 explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It unexplainable because all this is over my head I dont know wats going on all i know is that this thats going on is not me or I just cant remember I need help

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 2022-08-05
Company: EQUIFAX, INC.
State: OR
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:
On XX/XX/2022 XXXX XXXX Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hyundai Motor Finance is reporting an account ending in XXXX as a Charge Off. This account was opened as a Charge OfXXXX on XX/XX/2016. The Fair Credit Reporting Act requires companies to remove these type of derogatory items from credit reports after seven years. It is past seven years of reporting.

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 2023-01-13
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-09
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:
Hello I hope that this message finds you well. I am a consumer let me first start there. This company that I make this complaint against has used my report inaccurately and unlawfully. According to 15 USC 1681e these companies should make sure that are not in violation of 15 USC 1681c which discusses and states that the only reason any information should be furnished on an account is because of federal judgments or if permission was granted. COVID-19 set alot of people back including myself having to walk away from the industry. Now I was checking my credit report on yesterday and I noticed that XXXX XXXX  is reporting multiple late payments and this reporting agency is allowing the furnishing of such information after I asked for accommodations under the CARES ACT which states that information is supposed to show as current and never late. If I may add further to that. There are laws that have and are still currently in place that state that open transactions should not be reported and that also written consent must be given by the consumer which is me to furnish such information and looking at the consumer report the information is incomplete and inaccurate. This is aggravated theft and I am demanding that this account be removed due to the multiple law violations that this reporting agency has broken. This has caused significant trauma. Please allow me to be CLEAR. I am not looking for VERIFIED nor am I looking for those spam like messages that state that we are required to report which is not true by the way. I just provided the law that CONGRESS placed not your policies. I want the account removed or I reserve the right to get the allotted amounted for each violation.

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 2023-11-16
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXXXXXX XXXX  - {$280.00} - Balance Updated XX/XX/2023 - This is a fraudulent and unauthorized charge on my credit report, I never authorized XXXX to charge my credit and I never opened an account with them and I want this false information. I contacted them multiple times about this issue through phone calls and emails. I also put in multiple disputes with third party companies like XXXX XXXX and even with XXXX and this is still a standing issue that needs to be resolved. 

XXXX XXXX XXXX  - {$780.00} - Balance Updated XX/XX/2023 Department Of Education - {$10000.00} - Balance Updated XX/XX/202XX/XX/2023

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I recently set up a square business account since I am working on starting my own LLC. I completed a job for my current employer but it was not a part of my salary job. I sent and invoice to the XXXX who paid the invoiced amount via bank transfer. I have waited 6 days and my invoice payment was finally processed but now square is holding the transaction until they have reviewed it. I called square to see if I could expedite this process and was told that the funds would be release by the end of the day. I submitted additional paperwork and called back to confirm that they received it and was told that the previous person I spoke with was incorrect and that I would still have to wait the 2 days that will end up being 4 days because of the weekend. I asked for the information of the personal o spoke with previously and to speak with a manager and was denied by the rep stating that the manager agreed with them. Square is holding {$3000.00} of mine that o worked hard for but had no problem taking their cut of the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I'm XXXX XXXX get XXXX check every month on it for learning XXXX can't read spell I even have use XXXX on my phone to say what I need to I did a title loan through titlemax in XXXX Texas where the employee woman read things to me under my understandment I make monthly payments on my vehicle go tword my loan I had gotten at the time due to recently being diagnosed with XXXX XXXX I was told I make my payments tword my loan every month till was paid off only to find out my payment have not went tword my loan and they wanted me to pay double my amount almost XXXX dollars for being 7 days late on my payment sick with XXXX in my XXXX when I spoke to a woman from the local office I told them that XXXX dollar payment was ubsurbe considering I'm full XXXX don't get enough month they agreed by pHone allow me to make a payment on XXXX first and my car was not supposed be on repo list my car was repod last night XX/XX/2023 now saying I have pay payoff amount of XXXX when my payoff amount was XXXX now have no way getting to my XXXX or XXXX doctor Tittle max is saying they don't know where my car is or who even towed it so I can get my belongings out that contain to my oxygen I feel I am being completely tooken advantage of I have XXXX grandkids live with me as well I care for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: AmerAssist A/R Solutions, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a customer with XXXX  and I first order just a impression kit on XX/XX/2019. That was just to see if I would be a candidate for the XXXX XXXX for my XXXX. I didnt sign any documents at that time. I just entered my basic information and made the payment of {$49.00} for the impression kit. After going through the process, I had to go to a location to have my XXXX XXXX. At that time I was asked to sign if I wanted to fast track the production of my XXXX. That was what I approved. The production of the XXXX. When the XXXX  arrived and I began the process, I realized that I didnt get a finance agreement. I paid the initial {$250.00} deposit online myself. I never received a finance agreement with the terms, percentage rate or length of the loan payments. I went online and was directed to a website for the company financing the XXXX. XXXX XXXX. There I discovered that a finance agreement had my electronic signature on it. I never signed a finance agreement with XXXX XXXX XXXX, up until now I never knew who the finance company was. I never knew about the terms, interest rate or length of the loan payments. And it was dated XX/XX/2019. I wasnt with XXXX at that time and never e signed anything with either party. I called the finance company and was told that the contract was sent to them already signed from XXXX. I then called XXXX and no one there knew why it was signed. I thought it to be fraud and I told them so. Several request were made for a manager from XXXX to contact me, that was last year XX/XX/2019. I was never contacted by anyone from XXXX or XXXX XXXX XXXX. 
Instead of XXXX XXXX trying to resolve this issue in good faith, they sweep it under the rug and sent my account to a debt collection agency. The debit collection agency is AmeriAssist. I contacted them to explain the situation to several members of their team only to be basically told, Tough luck, we understand what your saying but you still have to pay. AmerAssist then sent the account to XXXX  and my credit score dropped by 15 points. Now my credit has been impacted for no fault of my own because of unscrupulous people. Amerassist continues to ignore my complaint and insist on calling me daily. I dont have any finance agreement with XXXX XXXX XXXX. So I dont owe them anything. They had months to clear this up. They are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: CA
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:
I am expressing my frustration and concern regarding the lack of communication from Equifax regarding my claim ( Claim number : XXXX ) for the recent data breach. I filled out the claims form several weeks ago and have yet to receive any updates or confirmation on the status of my claim. I mailed it out XX/XX/XXXX and it was received on XX/XX/XXXX which is where I got the Claim number from. 

As a customer who has been affected by the data breach, I am deeply concerned about the safety and security of my personal information. I am seeking reassurance that my claim is being processed and that my personal information is being protected. 

Furthermore, I have requested reimbursement for damages caused by the data breach, and I have stated that the amount of reimbursement I am seeking is {$20000.00}. However, I have not received any confirmation that my claim has been received or any updates on the status of my claim. I have documented over XXXX in losses to date and probably missed more than I added. 

The breach has caused significant financial and emotional distress for me. I have spent countless hours trying to mitigate the effects of the breach, including monitoring my credit reports and accounts, changing passwords, and notifying my bank and credit card companies. In addition, I have incurred expenses related to credit monitoring services, identity theft insurance, and other fees. 

I urge you to take immediate action to address this situation and ensure that I am protected from future data breaches. I would appreciate your prompt attention to this matter and an update on the status of my claim ( XXXX ) as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
ITHINK XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-02-11
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: Reporting company used your report improperly

Complaint:
Bankruptcy XXXX XXXX-dismissed Reference # XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Upon inspection of my consumer report I found the following inaccuracies. 

Name Address DOB Please see attachment There should be no other name, address or XXXX other than the one listed on the attachment. 

If it's not on the attachment, then remove it from my profile immediately.

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 2023-10-25
Company: Mercedes Benz Financial Services
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. I am the person making this complaint & I give CFPB authority to investigate this claim. 
Below are the errors I have identified : MB FIN SVCS XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: HEARTLAND PAYMENT SYSTEMS INC
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have contacted XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and in XXXXXXXX XXXX XXXX. Both times I was sent an email by XXXX, a representative from XXXX, stating they needed more information and to call them ( XXXX ). I filled out my application in XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX  - a public service career. I assumed this would be a fluid process- it has not. They only verbally tell me what I should insert on the form and when I do, they send me another email stating to " call them because of errors ''. After my first " erroneous '' application ( they indicated I did not put " teacher '' and correct dates on the application ) the staff member told me the exact dates to add to my second application - I wrote the exact dates she indicated based on my years of service as XXXX XXXX and wrote XXXX XXXX XXXX. They denied my application again. I asked them if they could send me any document that would indicate what I needed and what the errors were- they refused twice. It appears they just keep moving the " goal post '' each time I fill out an application. I have four college degrees so I believe I know how to follow directions and fill out a basic application. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation