BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: Freeway Funding, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I will try to make this story short as possible so what happened was that i had got a vehicle from a used car dealership and the vehicle was breaking down on me multiple times and i contacted the dealership and they wanted nothing to do with it they would hang up on me, then for the last time that it broke down it took me a while to repair and when i did i drove to a job interview and it ended up breaking again causing me to be late to the interview and i left the vehicle where it broke down to get it later on then it ended up getting towed i contacted the finance company to tell them because i was just over the car XXXX for the repair I couldnt do it anymore so i was going to wait for them to sell it in auction but they ended up not wanting to get the vehicle out of the tow yard because they didnt want to pay the tow yard fees to get it out so i called the finance company and they told me that i still need to pay off the full amount which i think that is unfair i decided to call thee tow company again and they told me that they dont have the vehicle anymore since the finance didnt want to pick it up the tow company ended up taking ownership of the vehicle and they sold it so i am stuck with payments for a vehicle that i do not have anymore so i have been trying to see what i can do

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 2018-11-28
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX and Amsher Collection agency are both trying to collect on the same debt that's not owed. I contacted XXXX-XXXX  for verification and have not received notification since XXXX 2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I requested for credit inquiries to be removed from the XXXX credit bureaus and I was denied to have them removed. I understand my consumer laws and wish that the financial institutions do not share my inquiries to the XXXX credit bureaus. I was not asked for permission for the information to be shared. I have no accounts with these inquiries below. 


According to Consumer Report and Information Sharing- Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) states I have rights.

15 U.S.C 6801- privacy obligations, financial institutions have an ongoing obligation to protect my information without my sole permission.

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 .U.S.C . 6802 ( A-C ) states I have rights. I was never told these inquiries were gon na report or asked do I want them reported. 


Account names : 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 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 2023-08-10
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:
When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was leaving the country on an extended trip and set up my Wells Fargo account for automatic bi-weekly payments. I recently returned to find that they have been charging me a monthly late fee charge of {$21.00} for a current total of {$230.00} in late fees. I called to resolve the matter and was told that I had scheduled the second payment after the XXXX and that is why I was being charged a late fee. I pointed out that the automated payment was set up through their website, how could they allow that without warning? 

I was told by the phone rep name XXXX that she was only authorized to refund one charge of {$21.00} and I had to pay the rest.

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 2022-11-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  - XXXX BANK Account # 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, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: PENTAGON FEDERAL CREDIT UNION
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 is missing that should be on the report

Complaint:
PENFED is suppressing ( NOT reporting ) my payment history on my POSITIVE installment TradeLine. PENFED is also currently reporting negative information, proving that their suppression of my POSITIVE payment history is punitive, retaliatory, harassing, and deliberate. PENFED is violating my FCRA rights and is causing me great hardship regarding finding an apartment and employment. PENFED is also preventing me from obtaining credit at reasonable rates. PENFED CAR LOAN XXXX ( on my XXXX Credit Bureau Report ) clearly shows UNKNOWN PAYMENT HISTORY. I have filed numerous disputes with XXXX and PENFED to correct this, but XXXX claims that PENFED is NOT REPORTING the POSITIVE payment history. PENFED must restore my POSITIVE payment history, which was listed on my XXXX file previously but is now not being reported by PENFED.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-25
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I thought I was talking to a high school Class mate on XXXX XXXX. She was offering XXXX trading. So I invested some money to try to make alittle money. XXXX XXXX. Come to find out her XXXX was hacked and these people are scammers. I transfered sums of XXXX and then XXXX  and XXXX  because I was told I had to be invested XXXX to withdrawal. Now I have been trying to withdrawal and its the run around. They want me to pay to withdrawal my money. I contacted my bank and they put the transactions into a process where they will give me my money back due to authorized push payment policy. Which is taking forever.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have previously sent multiple letters XX/XX/XXXX and XX/XX/XXXX requesting validation and verification of a bankruptcy on my report. According to 15 USC 1681 accuracy and fairness of credit reporting! Consumer reporting agencies adopt reasonable procedures, for meeting the needs of commerce for consumer, credit personnel, insurance, and other information in a manner which is fair and equitable to the consumer with regards to confidentiality accuracy, relevancy and proper utilization of such information in accordance with the requirements of that chapter. Also, transaction and experiences between a consumer and a person making the report shall not be reported. Any payment history, ultilization, history, status, remarks, limit and balance are all part of transaction and experiences so it should be deleted per federal definition of consumer report! 
I have yet to receive any validation or verification of this bankruptcy. I have personally contacted the us bankruptcy court and they DO NOT report to any credit reporting agencies. Per 15 USC 1692j it is unlawful to design, compile and furnish. Any form knowing that such form would be used to create the false belief in a consumer, that a person other than the creditor of such consumer, is participating in the collection of or in an attempt to collect a debt such, consumer allegedly owes such creditor. When in fact such person is not participating. Consumer reporting agencies must delete inaccurate, incomplete or unverifiable 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 explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions 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:
I am writing to bring to your attention certain concerns regarding the reporting practices of consumer reporting agencies, specifically XXXX, XXXX, and Experian, in accordance with the Fair Credit Reporting Act ( FCRA ). As well as the Furnishers of Information to the Credit Agencies in accordance with the Opt Out Laws

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 2023-12-19
Company: Experian Information Solutions Inc.
State: OK
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:
I disputed these items by mail on XX/XX/XXXX, however you continue to report them after your investigation. Please reinvestigate these matters and delete the disputed information as soon as possible. Thank you for your assistance ID THEFT ACCOUNTS XXXX XXXX : Account # XXXX  Opened on XX/XX/XXXX REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ( See attached documents ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ( See attached documents ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ( See attached documents ) XXXX XXXX  : Account # XXXX  Opened on XX/XX/XXXX REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ( See attached documents ) INACCURATE ACCOUNTS XXXX XXXX : Account # XXXX REASON : INACCURATE REPORTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete this account. 
REQUEST : DELETE THIS ACCOUNT ADDITIONAL INACCURACIES : The Date Of Last Payment : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ) The Date Last Active : XXXX ( XX/XX/XXXX ), XXXX ( XXXX ), Experian ( XX/XX/XXXX ) I can not verify that this account is 100 % accurate so it is deemed INACCURATE. 

XXXXXXXX XXXX : Account # XXXX REASON : INACCURATE REPORTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete this account. 
REQUEST : DELETE THIS ACCOUNT ADDITIONAL INACCURACIES : The Date Of Last Payment : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ) The Date Last Active : XXXX ( XX/XX/XXXX ), XXXX XX/XX/XXXX ), Experian ( XX/XX/XXXX ) I can not verify that this account is 100 % accurate so it is deemed INACCURATE. 

XXXX XXXX : Account # XXXX REASON : INACCURATE REPORTING I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
REQUEST : DELETE THIS ACCOUNT ADDITIONAL INACCURACIES : The Date Of Last Payment : XXXX ( XX/XX/XXXX ), XXXX ( XXXX ), Experian ( XX/XX/XXXX ) Account Status : XXXX ( XXXX ), XXXX ( XXXX ), Experian ( Paid )

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 2024-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Unable to attain information regarding two of the three accounts which is listed on my Bank statements one of which has been confirmed by the Social Security Administration the Other two listed as XXXX XXXX XXXX  with different Account Numbers which I have reason to believe may have something to to with Former Employment one which always end in XXXX and the other 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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-10-29
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
XXXX XXXX is reporting my debt as valid when they did not prove how they came up with that final decision when I had identity theft that accured. They also reponded after 30 days and continue to report the account as mine and report late payment which cause my score to go down while trying to purchase a home

Company response to consumer: In progress
Consumer complaint received 2019-09-07
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Phoenix Financial Services ( Debt Collection Agency ) on behalf of XXXX XXXX XXXX XXXX ( Debt Collection Agency ) dated XX/XX/XXXX for a workers comp balance billing in the amount of {$650.00}. Workers comp paid {$300.00} to the original creditor ( XXXX XXXX XXXX ) on XX/XX/XXXX. The amount that was paid to the original creditor was based off of a fee schedule. According to the statutes, I can not be held responsible if the workers comp carrier has not paid a bill in full even if the provider demands it. Further, if a healthcare provider has accepted partial payment from the workers comp insurance carrier, it can not send me a bill for the remaining amount of the medical bills. It is against the law and this form of practice is prohibited. Phoenix Financial knowingly reported false information to all three credit reporting agencies ( XXXX/XXXX/XXXX ) which has impacted my credit score exponentially. I am reaching out to you for assistance because I was not able to resolve this matter on my own. If all else fails, I will seek legal representation because my rights as a consumer have been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation