BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: GA
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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 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 2023-01-20
Company: Affirm Holdings, Inc
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Affirm withdrew 5 times the auto bill payment from my checking account creating all sorts of issues for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I know i fund in my account to cover what i just bought or repayment would cover but then i would have over draft charge sometime on overdraft charges

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XXXX we were contacted by XXXX XXXX XXXX  with hopes to lower out pmts and help us to catch up our loan with Wells Fargo. We were under the impression that this company was somehow connected to Wells Fargo, so when they told us to stop pmts in order for the process to work we did. We paid them over {$3000.00} to lower our pmts and get our loan up to date. We lost our home in XXXX of XXXX. XXXX XXXX XXXX has since gone out of business and has been sued & in court over things of this nature since then. We have not ever reviewed any reimbursement.

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 2023-01-20
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed a debt from National Credit Systems and sent them correspondence on XX/XX/, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXXXXXX XXXX stating the amount owed and correspondence from XXXX XXXX wherein XXXX XXXX XXXX filed a claim on my behalf which was paid. 

This debt has been listed on my credit report for several months, causing my credit score to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently paid off my mortgage loan with Dovenmuehle Mortgage. It was paid off on XX/XX/2020. Although I called to cancel automatic drafts several days before payoff funded, they drafted a payment of {$910.00} on XX/XX/2020. I called them on XX/XX/2020, again on XX/XX/2020 and again today, XX/XX/2020. Each time they say they see loan was paid off, they see they owe me a refund, they have no idea why they havent mailed it yet ( told to me on XX/XX/2020 and XX/XX/2020 ) and that I can expect a check " any day ''. Today, i told them i was filing a complaint with CFPB. Hoping you can help them understand their need to follow basic laws. If I was a person who didnt understand my rights or that I had overpaid, I fear they would likely just keep the funds. These companies should not be allowed to hold money that is not rightfully theirs. Even more sad, my new loan was also placed with Dovenmuehle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved from XXXX XXXX XXXX located in XXXX, Louisiana, after being displaced from hurricanes Laura and Delta since XX/XX/XXXX, on XX/XX/XXXX. I received my deposit back from the office and actually left with a positive rent balance due to a rental assistance credit from XXXX XXXX in the amount totaling {$1300.00} that was for the months of XXXX, XXXX, XXXX and XX/XX/XXXX rental payments., but due to me returning to my hometown of XXXX XXXX XXXX Louisiana XXXX the office was suppose to return {$980.00} for XXXX, XXXX and XXXX since i was no longer residing there. I was not contacted by anyone after I left XXXX XXXX even though they had my cellphone number and forwarding address and I did not find out about a so called balance until I got a letter in XX/XX/XXXX from a debt collector stating I owed XXXX XXXX money although i got my deposit back. I tried calling for months with no success and finally borrowed my father 's vehicle a drove to XXXX on XX/XX/XXXX to confront whoever was now working in the office and found out that someone put a whole bunch of charges on my ledger in XX/XX/XXXX and the office staff didn't know what it was for and I didn't even live there anymore, so these so called charges are what got sent to collections. They also lied stating I moved out XXXX XXXX to and justify keeping part of the {$980.00} check but I have my XXXXl receipts from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My money was stolen from my savings account ( XXXX ) and checking account ( XXXX ) and Wells Fargo came up with different excuses on while they didnt give me my money back

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 2022-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
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: Overcharged for something you did purchase with the card

Complaint:
For some reason Capital One flagged me for fraud. They asked me for my social security card and my Drivers license picture. Which I submitted ... and I had to ask for a replacement card from social security. Then they decided that I did not need the picture of social security ..just the number, which I submitted. I scanned the front and back of my ID card and sent them via e-mail. I called back because they did not send my money. They said there was a problem with the back of my ID card. So I sent the picture again. I tried three times. Each time it would not work for them. So we tried other ways. They sent me a link to my phone. ( which did not work ) to take a picture of my ID card. I tried to take a regular picture and send it via email. The claimed it did not work. So I sent them a hard copy three weeks ago and they said they did not receive it. The amount is for {$920.00}. I have paid off everything I ordered from XXXX XXXX so I do not know why I would be flagged in the first place. Things are very tight here and because of this I have had a negative balance on my bank account so I would like to solve this ASAP. My best outcome would be to close the account and receive the amount they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 filed an identity theft dispute in regards to the information on my credit report. I requested the original application with my wet signature and all other information that proves that I am the owner of these accounts and have not been given any. It has been well over XXXX  days to validate this debt and I have not been given anything.

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 2019-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
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:
Upon starting the audit of my personal credit reports, I found multiple inaccuracies from XXXX  XXXX and XXXX XXXX. The inaccuracies range from incorrect balance reporting, credit utilization, payment history, last activity of the account ( s ), and date of closure. I've been constantly harassed by Portfolio Recovery Associates for quite some time. Apparently, they've sold these accounts to this third party, but the original creditor is constantly reporting negative and blatant inaccuracies. I've even been attempted to be served with court documentations from this third party collection agency. I've asked for documentation of this alleged debt via certified mail, and I was provided with frivolous documents. I now have a pending judgement against me in the local courts with completely false information. I plan to sue in small claims court if not mediated via Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: ALLY FINANCIAL INC.
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
You closed my complaint # XXXX but it has not been corrected by Ally. In fact it has gotten even worse. 

Ally called yesterday with a request for yet another form. They say there paperwork is incorrect. I now believe this is intentional delay as retribution for my complaint.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXXXXXX 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 an 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 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was repossessed at the 75 day mark after a representative told me they start reposessing at the 90 day mark ( 3months what I was told ) and at that point I had made a partial payment but it wasn't recognized as a partial payment, it showed as a credit, and not an amount toward the balance. If it would have reflected as a partial payment then the vehicle wouldn't have been in repossession. At very minimum, my " credit '' should have been used toward somthing before hand not after my vehicle was repossessed.

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 2023-01-20
Company: Nelnet, 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: Report provided to employer without your written authorization

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. 


Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 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
Consumer complaint received 2023-09-02
Company: MOHELA
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This debt has been closed and they do not want to remove the late payments from the report plus they sold this loan was fed loan no Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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: Investigation took more than 30 days

Complaint:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-01-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
For the past three years this has been going on Synchrony Bank opened a Car Care account in my name mailed the card for undisclosed location that cause was used and has a balance on it no as it shows on my credit report I tried to contract Synchrony Bank several times and ask them one single question please send me the paperwork and application that was submitted I have yet to receive that every time I sign an Affidavit of not using the count Synchrony Bank opens a fraud investigation for the past 3 years this has been going on Synchrony Bank opened a car care account in my name mailed the card for an disclosed location that cause was used and has a balance on it no as it shows on my credit report I tried to contract XXXX XXXX  several times and ask them one single question please send me the paperwork an application that was submitted I have yet to receive that every time I sign an affidavit of not using the count Symphony bank opens a fraud today everytime they come up with a different reason which shows that they don't even know what's going on please help me remove this fraudulent card from my credit report as it is constantly making my score goal like a yo-yo I never applied for this card never use this card send them affidavits to

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 2022-09-03
Company: Experian Information Solutions Inc.
State: TN
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  the following accounts reporting on my credit report have violated my rights .All information reported to each credit Bureaus are different and mismatched. accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Including the following inquires reported ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian 15 U.S.C 1681 section 602 A. States I have the right to privacy. It also states Consumer reporting agencies can not furnish a account without my written consent and instructions.

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 2018-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I paid a loan off with XXXX XXXX XXXX over four months ago. It still shows up as an outstanding balance on trans unions credit reporting sight. I called XXXX several times and finally they sent me a letter saying that the loan was paid off ; a visit to their web-sight XXXX XXXX that letter. I filed several complaints with transunion two of which I believe just disappeared and when i called to file one I didn't even get a confirmation number leading me to believe that I was lied to and that infact my complaint was not being investigated ; one particular that I filed in reference to this issue resulted in a letter being sent stating that  they found nothing wrong as the account showed to be in good standing. It is currently shown that there is a ten thousand plus dollar balance per trans union with regards to the XXXX account which is incorrect as there is a XXXX balance and the account has long been satisfied and closed. If you could please help me get this resolved I would appreciate it it is preventing me from buying a home after mine has been sold due to inadequate credit criteria as a result of the failure to show loan satisfaction on trans unions sight.

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 2018-03-19
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe a debt to XXXX. I know I owe this debt but right now I am financially strapped and do not want to talk to them. I have talked with them in the past and worked with them. We made a payment plan if I paid so much per month they would credit my account but realistically, they did not. 
So after our agreement was up, I stopped paying them. Between late charges and interest fees, I have paid them three times the amount I owe. 
So, they started calling all my relatives and friends starting late in XX/XX/XXXX. When they called my mother, I called them back and told them to stop but they have not. They have called my daughter out in Wisconsin and my son in Iowa. 
XX/XX/XXXX they began to call my sister on a cell phone she just recently purchased. She told them to stop. 
They call my house a minimum of 6 times a day starting at XXXX in the XXXX and call about every 1.5 hours up to about XXXX XXXX  and use all different numbers.

I understand I owe them money. I will pay it when I can. I plan on writing them a letter to tell them to stop calling and harassing me and my family but please something needs to be done now.

Company response to consumer: Closed with non-monetary relief