BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
To Whom It May Concern, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) and other related regulations. I believe that WELLS FARGO AUTO has engaged in a number of illegal and unethical practices in its attempts to collect on a debt, including calling, annoying, harassing, and abusing my privacy, even after being informed of a cease-and-desist order, as well as trying to persuade and coerce me into changing my complaint. 
Specifically, I believe that WELLS FARGO AUTO has violated the FDCPA by : 1.Calling, annoying, harassing, and abusing my privacy after being informed of a cease-and-desist order : On ( XX/XX/XXXX ), & ( XX/XX/XXXX ) I sent a written cease and desist certified mail receipt # ( XXXX ) & # ( XXXX ) to WELLS FARGO AUTO informing them that I wished to cease all communication through all mediums except USPS mail related to the debt XXXX Despite this, they have continued to call me at all hours of the day and night, using aggressive and threatening language, and making false and misleading statements. This is a violation of the FDCPA ( 15 USC 1692C ( c ), which requires debt collectors to respect a consumer 's request to cease communication. 
2.Trying to persuade and coerce me into changing my complaint : On XXXX WELLS FARGO AUTO called me and attempted to persuade me to withdraw my complaint to the CFPB. This is a violation of the FDCPA, which prohibits debt collectors from using any false, deceptive, or misleading representation or means to collect a debt. 
I request that the CFPB investigate these violations and take appropriate action against WELLS FARGO AUTO to ensure that they are held accountable for their illegal and unethical practices. I also request that any negative marks on my credit report related to this debt be removed, and that I receive compensation for any damages or expenses that I have incurred as a result of WELLS FARGO AUTO s actions. 
Thank you for your attention to this matter.

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 2023-02-27
Company: Solar Mosaic LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
A representative of Mosaic and XXXX XXXX came to my house and sold me a solar system in XX/XX/2022. The system was never activated and did not receive permission to operate from the utility and was not set up for inspection. I am now paying a mortgage on a non-existent solar system. 

This is now in breach of contract. As Mosaic does not disburse funds to the contractor until there is permission to operate from the utility ( see attached contract ). 

XXXX XXXX has gone bankrupt and no longer exists. 

Ive attached the part of the contract that states there should be no payment until there is clearance to operate from the utility. 

The following is the portion of the contract that shows I should not be making payments, even though they are being drafted from my account monthly. 

The Loan Start Date is sublect to change. The Loan Start Date will be tinalized and accuratelv retlectec in the Loan Closing Certificate. which will be sent to You following our first disbursement of loan proceed : to Your Installation Contractor ( or sent directly to the equipment manufacturer if directed to do so by the Installation Contractor ). The Loan Closing Certificate is fully incorporated hereir The estimated Loan Start Date assumes the Contractor completes installation and the " Install Complete Disbursement '' is made within 180 days from the date of You are prequalified for a loan. The actual Loa Start Date will be the date that we first disburse loan proceeds to Your Contractor. That date will be showi on the Loan closing certiticate we send to You. 
The estimated First Payment Date assumes You will begin making payments 3 months after the Loan Star Date. You mav actually begin making pavments on the earlier of 3 months after the Loan Start Date or 15 days after XXXX XXXX XXXX. its assignees. agents. representatives. or approved loan servicer : confirms Permission to Operate from Your utility company. Interest on this loan begins to accrue from the first disbursement and is calculated on the outstanding principa balance. as described in Section 3ic ). You can begin making pavments at anv time You choose after the Loan Start Date We may re-review Your application if it looks like the Loan Start Date will not occur within 180 days. This can happen if Your Contractor is not able to make sufficient progress during Your 180-day approval period for the Loan start Date to occur. If we re-review Your application. we will request a new credit report from the credit bureaus. to make sure that You continue to meet the requirements for loan approval. This may impact Your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
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:
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 2022-03-26
Company: Affirm Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice on my Credit Report there is a 2 Companies reporting a charge off for a debt i did not use from their company. The company goes by the name Affrim Inc and also XXXX XXXX  XXXX it has been reporting this information for 6 months. I called the company several tines trying times explaining i do not owe them any debt explaining this has to be a mistake. They seem to be unsure of what going There is also quite a few addresses that are not correct on the report and inquiries inquires from XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: MS
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter in XX/XX/XXXX to XXXX, XXXX, and TransUnion asking them to remove information from my Consumer Report that violates my privacy. The companies responded with a reply that was totally unrelated to my complaint. The response was irrelevant and failed to address the nature of my complaint.

They are violating the law by refusing to protect my privacy AND further ignoring my request for specific removal pursuant to the following : 1. The Privacy Act of 1974 2. 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( CREDITOR ) making the report is NOT INCLUDED on my Consumer Report. Utilization is an experience regarding the use of the line of credit that was extended between the consumer and the creditor. CONGRESS clearly states that the reporting of Transactions or Experiences are not included on the consumer reports.

3. They did not inform me that I could Opt Out AND they do not have my permission, in writing, pursuant to 12 CFR Part 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer XXXX exercise the opt out right. 

NOTE : I hereby rescind any authorization, written, unwritten, expressed, or implied to report utilization on the accounts listed in this complaint, now and forever in perpetuity. The accounts remain on my consumer report but my utilization ( customer experience ) is not to be shared and should reflect 0 %.

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 2023-09-05
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: Information belongs to someone else

Complaint:
Under the Fair Credit Act 15 USC 1681 codes ( a-J ) I have a right to a fair and accurate reporting of my credit. 
XXXX and TRANSUNION have continually vilolated my rights and continuaally report inaccurate and balatant fraudualnt info on my report. I have sent the FTC ID theft Affidavit report back in XXXX of XXXX  to report of the errors along with settement notices of XXXX data breach that involved my name. 
XXXX and Transuinion still shows adresses that are not mine nor have I ever lived anywhere near these addresses. 

Transuinon has the adresses of XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, ND and XXXX XXXX, ca XXXX. 

XXXX has XXXX XXXX XXXX, XXXX, ND XXXX The account XXXX  XXXX the account wasn't verified because XXXX doesn't have this account with my address this account is at an unknown address and XXXX and TRANSUNION has lied saying they verified. 
XXXX XXXX account has been inputted again with a 4 different numbers for the same account. # XXXX # XXXX and this account was notified of ID theft back in XX/XX/2022. 
My name is XXXX XXXX but XXXX has refused to update my name and is still showing fraudualnt names. 
XXXX XXXX XXXX is not my name. 
Iwant these accounts deleted a or compensate me for my traumatized time I have tried to rectify theses violations of my consumer rights! 
I have attached the a copy of the FTC affidavit I have filed with them in XXXX along with my XXXX data breach notice along the a new Affidavit To show proof of two diiferent numbers for the same account. 
I have also attached acopy of my credit report to show poof of blatant inaccurate errors on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
Company: ONEMAIN FINANCE CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
applied for a Crdit Card. I was approved with a {$190.00} program fee and a reduction of credit limit by {$100.00} upon receiving card. That is a {$290.00} fee after a credit check is ran and my XXXX is dinged. No prior insight on such before applying. PREDATORY. ... I was shown on XXXX XXXX for a good approval odds on a Debt consolidation loan. Applied, my FICO was hit, only to find out its would need to be secured with a title to a vehicle. " Title Loan '' no prior insight on this before my XXXX gets dinged again and the terms are released. " PREDATORY ''. This type of marketing is geared to poor or good credit. Information on this should be clearly visible and advised prior to running a hard inquiry. I believe soft inquiries should only be completed on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
After hurricane XXXX in XXXX, our servicer reached out to us for a XXXX month forbearance because of the hurricane. They were suppose to transfer those payments to the back of the loan. During that period XXXX became our loan servicer and did not honor that agreement. With the help of attorneys we applied for a loan modification. This process took XXXX  years, XXXX law firms and over $ XXXX, finally ending with the threat of bankruptcy. 
The day before the Bankruptcy hearing NewRez presented us with the only offer they have ever given us for modification, all fees and charges added to our loan, extending our loan to 40 years and doubling our interest rate. This " deal '' resulted in effectively doubling our mortgage.

There was no official reason why this process took so long other than NewRez not meeting their own deadlines thereby dragging their feet until we decided to pursue Bankruptcy, it became priority to them at that time. To this day we have gotten no explanation as to why they repeatedly delayed this process, refused to work with us and at times not show up to conciliation 's arranged by both lawyers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Bank of America is obviously a XXXX and XXXX company. They have all these business suits working and can't figure out. They sent me a " new '' replacement credit card. The credit card does not have a plastic lining, and is very thin. The Waitress and customer service people who scan my cards, can easily break them and have also been complaining about the Bank of America cards. The card stains, and smoulders since its so thin and has no plastic cover. Nice thin and non plastic greasy credit. They are obviously XXXX and don't like XXXX XXXX   customers. Why are they sending new credit cards like this?

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 non-monetary relief
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2018-02-16
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a complaint on XX/XX/XXXX with case # XXXX regarding being sued by XXXX XXXX XXXX XXXX XXXX for a credit card debt in the amount of {$9000.00} on XX/XX/XXXX in NY XXXX XXXX First District Court.  As of today the debt is {$12000.00} with interest. I have no knowledge of this debt. They are representing Creditor ( s ) : ( P ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I attended a final court hearing on XX/XX/XXXX and explained the judge how they could not provide me any tangible proof regarding any of these requests. Yet, I provided the XXXX XXXX XXXX XXXX response to my complaint the court as well. But XXXX XXXX  XXXX lawyer said the judge my written proof is incorrect and XXXX XXXX XXXX XXXX is still the owner of this alleged debt. After 2 months of the court hearing, I received a final decision. " The motion of my request for an order vacation the default and dismissing the action or alternative relief, is denied '' I have to pay {$12000.00} to XXXX XXXX XXXX XXXX even the company responded my complaint on XXXX saying that " This account was referred to the law offices of XXXX XXXX XXXX on XX/XX/XXXX for collections and their office handled the account on our behalf up until the account was sold to a different company on XX/XX/XXXX. Once an account is transferred and sold, XXXX XXXX XXXX XXXX XXXX XXXX no longer has any rights, title or interest in the account. You may contact Resurgent Capital Services, L.P. to discuss the account further. Their contact phone number is XXXX. Their mailing address is XXXX. XXXX XXXX, XXXX, SC XXXX. Should you have any further questions, my name is XXXX XXXX and I am Director of Operations with XXXX XXXX XXXX XXXX XXXX XXXX My contact phone number is XXXX, ext. XXXX. '' I would like to inform you that the Law office of XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX are still doing and continuing their unlawful actions. I am ready to accept any help you may offer in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief