BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I went to the XXXX  XXXX XXXX  in XXXX, Georgia, onXX/XX/2021, to purchase a XXXX XXXX XXXX. I was informed by the XXXX Finance Manager that my Credit Application was Denied by Wells Fargo Bank in XXXX, Georgia. I told the Finance Manager that was Not Possible, as I have a Joint Bank Account at Wells Fargo! I received the Letter of Denial today Application Number : XXXX. 
This is XXXX Discrimination, Period, Point Blank! 
The " Key Factors '' that Wells Fargo has used to deny me the Loan, are an Outright Pack of ball-faced Lies! 
I actually have an account at XXXX XXXX XXXX with balances that far exceed the amount requested for the Auto Loan, which I could have paid cash for the Truck. 
XXXX The Single Biggest Lie told by Wells Fargo, is the Type of Collateral Provided does not Meet Our Guidelines? I need those Guidelines Spelled Out to me in Writing, as I own My Own Home Outright, and its Valued at {$170000.00}, Yet I do Not have required Collateral required by Wells Fargo? I am also a Totally XXXX US Army Veteran, and Senior Citizen, with Four ( 4 ) different income streams monthly! I will not allow this pack of lies to Stand.

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 2023-01-25
Company: Collection Bureau of America Ltd.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I started service with XXXX XXXX XXXX, their service was always an issue with delivery date and time. After a few bad service I decided to request a pick up of the equipment. To my surprise, I was told I had to bring the equipment to the warehouse location on XXXX at XXXX XXXX and if no one was there to take a photo of the equipment sitting at the door and forward to the person on duty. I did exactly that. I called later to make sure they had received their equipment and that was confirmed. Going forward in XX/XX/XXXX going over my credit, I see Collection Bureau Of America, Account number XXXXand called the number XXXX and spoke to XXXX, XX/XX/XXXX who was very rude, her voice tone was snappy. I explain to XXXX, the information reported was incorrect because I do not have a balance, there was a charge because of the equipment and the equipment was turned in that same day I spoke with a manager. I am disputing the charges of collection fee {$36.00}, NSF fee {$25.00}, {$100.00} ( that XXXX could not explain what this fee is ), late fee {$98.00}. Again XXXX was not able to explain these additional fees. I explained this was important to me because this is incorrect and I need this corrected. Since that date I have called 3 rimes to have this corrected and I have gotten absolutely nowhere. So I am reaching out for this to be corrected. I do not have a balance on this account, I only had to turn in the equipment, which I did do exactly that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid on this account, and it did not report to any of credit agencies that i made a payment, but did report negative information, XXXX acct number Jpmcb account /chase, I have disputed 4 times that i have made a payment and You have not updated my account. I have copied a screen print of me paying the account, THis would have moved my credit and showed that I had paid on this account like I told my potential employer I would. It did not reflect after 3 tries and they did not give me the job. The job was {$98000.00} a year. I am now headed to my lawyers as you will be one of the parties directly liable for me not obtaining my job. I have requested you take JPmcb off of my report because they are not accurately reporting my payment for the 3rd request. Please take them off of my report asap or I will have to get a lawyer for recourse. Thanks My number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: TX
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:
The final account statement in the amount of {$4600.00} should be waived as my lease agreement with XXXX was terminated due to incapacitating injuries arising out of an automobile incident which occurred on XX/XX/ 2023. As such, I submitted a notice to vacate on XX/XX/. Under the Texas Fair Housing Act, a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford such person equal opportunity to use and enjoy a dwelling, is considered discrimination. Both the Fair Housing Act and the Texas Fair Housing Act broadly prohibit discrimination in rental dwellings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: PMT Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CEASE and DESIST- Hello and thank you for confirming that XXXX XXXX XXXX XXXX PMT XXXX, LLC is a debt collector. Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including XXXX XXXX XXXX XXXX  PMT XXXX, LLC . Since XXXX XXXX XXXX XXXX PMT XXXX, LLC decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ).

Pursuant to 15 USC 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of {$1000.00} per violation. XXXX XXXX XXXX XXXX PMT SOLUTIONS , LLC as confirmed is a debt collector who failed to comply with and violate the Fair Debt Collections Practice Act ( 15 USC 1692 ), 18 USC 1028, 18 USC 1028A , 15 USC 1692a, and violated 15 USC 1692c ( a ), is liable to me in the amount equal to XXXX XXXX XXXX XXXX XXXX XXXX  ( {$5000.00} ) by Law !

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This company is listing old and inaccurate information. there has been no credit report sent to me since I submitted a dispute in the past few months. it has been past 30 days without any actual updates.

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 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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  Account # XXXX, and XXXX Account # 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 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 2021-08-04
Company: Experian Information Solutions Inc.
State: TX
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:
This is my 4th time contacting the CFPC and my disputes are still not being handled by Experian, XXXX  and XXXX  ... Please investigate these negatives items and have them deleted. 

XXXX-XXXX- Unverified account XXXX XXXX XXXX- XXXX- Unverified account XXXX  XXXX XXXX- XXXX-Unverified Account I want these accounts deleted from my credit report and please send me an updated credit report reflecting this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to inform you that I have recently received the results of the investigation into the inaccuracies on my credit report, conducted by your agency. Despite my previous disputes and the legal obligation under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws to ensure accurate and timely reporting, your agency has failed to acknowledge the inaccuracies present in my credit report.

Your refusal to correct these inaccuracies has resulted in significant damage to my financial reputation, causing me substantial emotional distress and financial harm. I want to make it explicitly clear that I am not willing to tolerate these injustices any longer.

I am left with no choice but to pursue legal action against your agency for the damages caused to my reputation. This letter serves as formal notice of my intent to sue under the provisions of the FCRA ( 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) ), and any other applicable federal laws. I believe your agencys actions are not only in violation of the FCRA but also constitute a willful disregard for my rights as a consumer.

I demand that your agency rectify the inaccuracies on my credit report immediately and provide me with written confirmation of the corrections made. Additionally, I expect your agency to compensate me for the damages incurred due to your inaccurate reporting, including but not limited to, loss of credit opportunities, emotional distress, and legal fees associated with this matter.

I am giving your agency a final opportunity to rectify this situation without litigation. I expect a response within 15 days from the date of this letter, confirming the correction of the inaccuracies and outlining the steps taken to prevent such errors in the future. Failure to respond within the specified timeframe will leave me with no alternative but to pursue legal action without further notice.

Please consider this matter seriously, as the consequences of your agencys actions have had a severe impact on my life. I look forward to a swift resolution 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 non-monetary relief
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: PA
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. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiri

es 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 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I wrote Captial one a letter that there are too many incorrect late payments being reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: GA
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:
I have sent several disputes to Equifax on this issue of fraudulent accounts as well as the creditor the accounts are listed below all are fraudulent accounts reporting on my Equifax account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3100.00} XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: KP ASSET CONSULTING LLC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XXXX/XXXX/22 and XX/XX/22 This company and their collection group K P asset have been calling family members

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 2023-03-23
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I NEVER OPENED AN ACCOUNT IN 2018 FOR A STUDENT LOAN. YET THE REPORT IS CLAIMING I DID. I WOULD LIKE THAT CLEARED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Never opened an account with Capital One they are saying the account was closed right after it was opened to protect my identity but they are reporting a credit card balance on my credit report but I have never used a capital on credit card. This is a mistake that needs to be fixed asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Spring Oaks Capital, LLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has an account reporting negatively on my credit report. There is no proof of an original document or signature between Spring Oak Capital LLC and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-08-30
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: Personal information incorrect

Complaint:
On XX/XX/2021 I submitted a personal information dispute to the three credit bureau 's because I found fraudulent names and addresses reporting on my credit report. 

I would like the name XXXX XXXX to be removed because that is my grandfather 's name not mine as well as XXXX XXXX XXXX which is my father. I am XXXX XXXX XXXX. 

I also requested the following addresses be removed : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived at these addresses. 

Please remove the following employer : XXXX Please see the attached identity theft affidavit and letters sent to each bureau in which I have not received a response.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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:
I am deeply disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which is a significant deficiency. I demand the immediate deletion of this flawed and inaccurate report, or else legal action will be taken for the non compliance with the relevant legal requirements. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX {$1400.00} XXXX XXXX {$480.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX {$10000.00}

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 2023-06-11
Company: Experian Information Solutions 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 status incorrect

Complaint:
THIS IS NOT AND DUPLICATE!!!!!!!!!!!! 





In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally profected consumer rights to privacy and confidentiality under 15 USC 1681. I told the credit bureau Experian, and XXXX to reinvestigate these accounts : XXXX XXXX  XXXX Account number XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account number XXXX. However, they 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 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 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 2023-07-26
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XX/XX/2022 I paid off my loan with Truist for my XXXX. I paid it the same day that I requested a payoff. They have refused to release my title. I get a monthly statement from them that says the balance is {$0.00}. Total amount due {$0.00}. I would appreciate any help having this resolved and me receiving my title. I have been to two different branches asking for help. I did recieve a letter from a lady at Truist four months ago. I have called and left several messages and she will not respond to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief