BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
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: Their investigation did not fix an error on your report

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 XXXX Account name ( XXXX XXXX XXXX : # XXXX XXXX XXXX account ( XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) number XXXX Account name : XXXX XXXX XXXX ( XXXX XXXX  ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection bureau of a 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 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 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus have refused to correct their mistakes and are in violation of 15 USC 1681n willful non compliance of their errors are also in violations of 15 USC 1681b Permissible purpose. I am therefore requesting a copy of my written instructions that should be on file. I am also requesting a copy of my notice that the company sent to me that notified me of these accounts being placed on my report. 

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 2020-03-18
Company: EQUIFAX, INC.
State: KS
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:
XXXX XXXX, a major servicer of private and federal student loans, is facing six lawsuits alleging that it harmed student loan borrowers throughout the repayment process. ... Is XXXX  student loan forgiveness real? Is XXXX my student loan servicer? 
Missing : ftc | Must include : ftc XXXX  XXXX  File a complaint with the Federal Trade Commission if you feel you are a victim of any type of online fraud at ftc.gov/complaint and IC3.gov. Never give out personal ..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, and Equifax refused to accurately investigate or remove inaccurate accounts from my credit report as follows : XXXX XXXX with account number XXXX XXXXXXXX XXXX  with account number XXXX XXXXXXXX XXXX  with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXXXXXX with account number XXXX All of the above accounts are reporting inaccurate information and contain different information in all 3 bureaus, which violates 15 USC 1692e.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: PA
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:
hey, my name is XXXX and ive first noticed a problem XXXX XXXX my car was broken into at a gas station where I had an envelope of all my personal information because I was on my way to an interview and they stole everything. my social card, my i.d my diplomas, basically everything I had now I'm lost and I don't know what's going on. I'm writing to guys to have all the listed accounts deleted from my file ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I already reported the theft of my identity to the federal trade commission and I'm able to show copies. please! delete these items as soon as possible.

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 2020-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One did process a change to lower the APR for 6  months. However, due to COVID-19, I feel that they can do better. Instead of establishing a variable rate with a quarterly prime ; they could provide a lower APR under a fixed amount. I was transferred three times. The final representative stated that there is nothing available since I accepted the promo.. Very insensitive towards the national pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I CHECK MY CREDIT REPORT I NOTICE THERE WHERE SEVERAL ACCOUNTS ON MY CREDIT PROFILE THAT DID NOT BELONG TO ME SOMEONE HAS BEEN USING MY IDENTITY AND OPEN UP SEVERAL FRAUDLENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service these accounts/ inquires being reported I made efforts to remove accounts/inquires from my file as they do not belong to me. These all are fraudulently placed on my file I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: TX
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, XXXX XXXX XXXX, am XXXX  and hold superior title and ownership over my name XXXX XXXX XXXX. I rebuke and reject XXXX promissory note and claim of ownership over my name XXXX XXXX XXXX. I command the Department of EducationXXXX XXXX XXXX account number XXXX to remove their debt immediately from my credit profile. I am XXXX  and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, whiteness, and fairness in order for the Department of EducationXXXX debt to be free from my credit profile. The attached documents is evidence I hold superior title and ownership over my name XXXX XXXX XXXX and that the Department XXXX XXXX has no standing at law against my superior title and ownership over my name 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 2019-07-12
Company: EQUIFAX, INC.
State: TX
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 leased a XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, CA in XX/XX/XXXX for a 36-mo.  term. XX/XX/XXXX I decided to lease a new vehicle from XXXX XXXX XXXX in XXXX, TX. At that time XXXX XXXX contacted XXXX to obtain the payoff amount to pay off the remainder of the lease term. XXXX XXXX mailed on XX/XX/XXXX a check in the amount of {$6000.00} per XXXX XXXX XXXX 's ( XXXX ) instructions and the check was cashed the following day XX/XX/XXXX. Within days of leasing a new car from XXXX XXXX, the XXXX was shipped from Park Place to the XXXX at XXXX XXXX XXXX. The XXXX at XXXX XXXX made the shipping arrangements. 

I never had any contact with XXXX after I returned the car and XXXX XXXX paid off the remainder of the lease. 

On XX/XX/XXXX I applied for a mortgage loan and found that late pays in XX/XX/XXXX and XX/XX/XXXX and a charge-off was reported on my credit in XX/XX/XXXX and XX/XX/XXXX. I immediately contacted XXXX to find out why. They told me the car was returned XX/XX/XXXX and they did not receive a payoff payment XX/XX/XXXX. This was alarming to me because I had not been in possession of the XXXX since XX/XX/XXXX and I have a copy of the {$6000.00} payoff check that was cashed by XXXX. I then requested a full payment history that details the source of who the payments were coming from and a vehicle return receipt and photo ID showing who returned the vehicle. XXXX kept passing me around and refused to provide the documentation I requested. I finally spoke to XXXX in the Recovery dept of XXXX and he sent me a simple payment history ( without details of where the payment source came from ) and it shows that XXXX did not record that they received the {$6000.00} and that someone had been making payments on the XXXX up until XX/XX/XXXX. He told me that XXXX spoke to me on XX/XX/XXXX about damages on XXXX. That conversation did not take place with me because I had not talked to XXXX since XX/XX/XXXX. 

It is apparent to me that a XXXX employee must have taken the XXXX after it was shipped to California in XX/XX/XXXX, drove it and made payments on it without my knowledge or consent, stole my identity, and returned it on XX/XX/XXXX. XXXX either failed to report the payoff check or an employee intercepted the check and fraudulently cashed it. I found out that the XXXX at XXXX XXXX, who I leased the XXXX from and who I shipped the XXXX back to in XX/XX/XXXX had been fired and is no longer working for XXXX. XXXX refuses to provide me any information proving who returned and made payments on the XXXX. I believe XXXX is passing me around and refusing to provide pertinent information about my account in an effort to avoid proving their liability in this apparent fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: MA
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:
Spring XXXX we were behind on payments we were able to catch up on all the past payments XX/XX/XXXX. XX/XX/XXXX my XXXX XXXX was repossessed without notice from Wells Fargo despite the account being up to date. We could not afford to get the car back from repossession due to the high fees the company was demanding. My car was then auctioned off and about {$1400.00} remained on my loan which went into collections. This repossession had a VERY NEGATIVE effect on my credit score and left me without a vehicle and jeopardizing my job. We were able to continue making the monthly payments and were up to date with payments however the cost required to obtain my car back was not feasible.

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 2019-08-26
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2023-09-12
Company: EQUIFAX, INC.
State: FL
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$140.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} ; XXXX XXXX XXXX XXXX Owed : {$1300.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: LoanCare, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
This complaint is related to two complaints previously filed. 
1. LoanCare failed to credit my account for the payment I made All payments from XX/XX/XXXX to XX/XX/XXXX, were made on time and were received by LoanCare ( See attached proof of payment # XXXX ). LoanCare failed to credit me for my account # XXXX, my payments for the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX claiming that these payments were not the correct amount and incorrectly applied these monies to my other account # XXXX ( See attached LoanCare Response dated XXXX ) This happened while LoanCare had no problem applying payments for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX to my account # XXXX This totally unacceptable. LoanCare added what they claimed missing here to my payoff statement and made me pay extra. The actual loan balance is {$150000.00} according to LoanCare record ( See attached XX/XX/XXXX Statement and XX/XX/XXXX Statement ). Loancare made me pay {$150000.00} ( See attached pay off statement, dated XX/XX/XXXX ). LoanCare must reimburse me the difference IMMEDIATELY. 

In LoanCare 's Annual Statement ( see attached ), the beginning loan Balance was {$150000.00}. I have paid {$5200.00}, and the balance is {$150000.00} Why do I have to pay {$150000.00} when the balance is {$150000.00} For convenience, I have provided with this complaint, proofs of payment for both of my accounts # XXXX and # XXXX. With all proofs on hands, it is LoanCare 's responsibility to get my records straight. No more ill-intent, naive pretense is accepted. 

LoanCare did this very same thing to me on this # XXXX Loan when I previously sold my property on Loan # XXXX. 

On account # XXXX, I demand LoanCare to refund the amount falsely charged immediately. 

On account # XXXX, LoanCare still owes me the late fees that were falsely charged. I demand LoanCare to refund this amount immediately. 

I demand LoanCare to get their record straight and re-notify the Credit bureau. What LoanCare listed on their response letter dated XX/XX/XXXX, was not completed.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When I checked the account on the XXXX of XXXX my check was deposited {$930.00}. I made a withdrawal at an ATM withdrawal of {$500.00} and a few other transactions with my debit card and two days after on XX/XX/XXXX I had been charged an overdraft fee of XXXX and my account was down to {$16.00}. When I checked my wells Fargo mobile banking app it is stating that I got my check on the XXXX of XXXX when clearly there was money in my account because I wouldn't have been able to withdraw {$500.00} and make those other transactions. I have gotten my check on the XXXX several times before this and never had any problems.

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 2019-09-17
Company: Selene Finance LP
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer ( Selene Finance ) has placed numerous fees on my account which continuously keep me behind on my payments. The fines are unnecessary and phone representatives are unable to explain them. One fine in particular is a property inspection fee which is unnecessary and is charged to my account each month. 

Another issue that I have with Selene is the fact that the company breached my privacy by divulging my personal information without my consent. Selene sent a representative to my home when I was not home and a family friend who was at my house was asked : " when do you expect the loan to be brought current ''. 

Also, my mortgage changed servicers several times. The first time it changed I was in the midst of a mortgage modification with XXXX. During the process XXXX lost my paperwork, denied my request, and committed numerous RESPA and TILA violations. I made some payments during this time however XXXX was unable to show where the payments where applied to my principal. Ultimately my mortgage was transferred to 2 other servicers then to Selene who eventually finalized the modification. The modification placed almost 10 years worth of mortgage payments on the end of my loan which placed me underwater with my home. 

I would like for a consumer finance representative to assist me with this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I had already written XXXX letters to Equifax requesting that they update their records with my current address, XXXXXXXX XXXX XXXX XXXX, North Carolina XXXX, and remove any former locations and out-of-date information. I just wanted one address, one employer, and one phone number to be listed on my credit report, yet Equifax has yet to update this information. I'm attempting to secure a loan, but having a lot of addresses listed on my credit report makes me seem less creditworthy and makes me seem unstable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: BARCLAYS BANK DELAWARE
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed a charge on the Barclays Bank credit card as soon as it appeared on my statement for a service I was not happy with on XX/XX/2022. In mid XXXX of 2022 the merchant agree to the dispute and directed Barclay to credit the charge. The merchant has let me know that they will not charge me and the bank on their side has said there is nothing more for them to do. Barclay Bank needs to simply remove the charge from my card. Instead, they advised the merchant that they would respond to their request to refund the charge by end of XXXX. Barclays has added it back to my card and requested payment. 

I can not get anyone to speak with me about it and, to date, the charge is on my card and they are requesting payment by XX/XX/XXXX. In the meantime, due to their delay to reverse this charge, I will also be charged fees and finance charges on the balance. 

This is criminal for a bank to manipulate funds and customer use of their credit card in such a way. They are setting themselves up to make money from a customer dispute matter. 

I am not alone in this complaint with Barclays Bank credit card. A quick perusal of their social media page tells that this unethical ( criminal? ) behavior is how they perform in their daily business. 

PLEASE do something about this for me and all others who are victims to this bank 's unethical behavior.

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