BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: Credit Corp Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulant Loan taken in my name around XXXX XXXX  by fraudulant methods. At the same time our credit card was hacked but stopped. The loan was for the amt of {$20000.00} which I had no idea it had happened until a bill showed up in the mail. XXXXraud reports were filed with the local sheriffs dept as well as the sheriffs dept in XXXX XXXX Florida. 
Fraud alerts and reports were applied for at FTC.Gov, Identity theft.gov as well as with all XXXX, XXXX XXXX XXXX, XXXX and XXXX. I later realized I was part of the XXXX XXXX XXXX in XXXX. I have filed a complaint as well. 
I have been trying to work with XXXX to remove this loan but until now to no avail. 
Then XXXX sold this fraud loan to a collection agency Credit Corp Solutions without any resolution, and I am still providing information to XXXX. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: LEXISNEXIS
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had an adverse credit report from XXXX XXXX XXXX. I requested a copy of my credit report. Lexis Nexis gave me a url to use to get my credit report. The problem is that the url XXXX never came up. Several sites with the same url came up but I wasnt able to get my credit report from those sites. I believe Lexis Nexis is not activating the url I need. They said they were unable to verify my information. For the complaint I provided my name, address phone number and last four of my ss number. 

On the original letter I received from Lexis Nexis My Consumer Number is XXXX My Case Number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: WELLS FARGO & COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Hi, Someone made purchases using my Wells Fargo credit card for over {$10000.00}. This consists of a total of 9 fraudulent transactions made at an XXXX XXXX in XXXX, XXXX on XX/XX/2021. ( I live in XXXX, XXXX and have not been to XXXX, XXXX in several years! ) I have notified Wells Fargo and they are investigating. Could you please look into this matter as well. I am attaching the Wells Fargo statement showing these 9 fraudulent transactions made on XX/XX/2021. I am also attaching a report I made to XXXX Police on the same issue. Thank you and looking forward to hearing from you on this. 

Best, XXXX XXXX Phone : XXXX Email : 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 2023-08-22
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:
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 but not limited to 15 USC 1681, 15 USC 1611, and 15 USC 1605. XXXX Accounts # XXXX, # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt is reporting correctly.

15 U.S.C 1611. States youre supposed to be notified of all signing information.

15 U.S.C 1605. States a finance charge is supposed to be a sum of all 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 non-monetary relief
Consumer complaint received 2023-05-09
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was contacted by what I thought was a remote job from XXXX. They claimed to be XXXXXXXX XXXX  and used the name XXXX XXXX. They sent me a check in the mail from XXXX XXXX XXXX XXXX to be used to purchase work materials for the amount of {$4900.00}. Upon depositing the check into my Wells Fargo account on XX/XX/2023 they began asking to send the money to different places and the check was found to be fraudulent and now my account is negative that amount and I do not have the money to pay this back. This was a scam and I should not have to pay 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 2022-12-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, 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:
The XXXXXXXX XXXX XXXXXXXX sold me a vehicle with a price tag of XXXX when all was done the price went around XXXX for a loan to get the vehicle. They ran my credit XXXX times and then after I was approve the charged me a XXXX XXXXXXXX XXXX down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: CarMax, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX my credit report was pulled from XXXX financial institutions. Those companies that are reporting on my XXXX Credit report are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Carmax XXXX XXXX XXXX XXXX. 

As well as XXXX XXXX on XX/XX/XXXX I have received my own financing from my bank XXXX where they gave me a check for the total amount for the car I was purchasing. I never gave Carmax or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank. 

Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I have a dispute on a charge. They are asking me to fax or XXXX mail in related documents. This seems like an unreasonable obstacle in our world today. I haven't used or even seen a fax in years. I don't mail anything very often, especially nearing $ XXXX. This seems like Cap One is just making it difficult on purpose, to avoid dealing with disputes. 

Moreover, the purchase I made was online. So, instead of just forwarding them an email, I have to print it out ( printers are pretty outdated and certainly environmentally wrong ) and take it somewhere, I don't know where, to fax it. This is crazy anytime, especially during a pandemic, when it could so much more easily be done in the home without any paper by emailing or uploading. Other credit cards company do it. I called and they offer no explanation, it's just a Cap One policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have reached out to XXXX XXXX XXXX at Truist Banking which he did call and I went to see him to submit my court-certified POA paperwork pertaining to my mother. XXXX XXXX stated after a week that the paperwork was denied because the paperwork was not in the correct order. he said someone else has power of attorney over my mother which is impossible due to the fact that she has XXXX, I have been her POA since XXXX and the court has not revoked my paperwork. I tried contacting XXXX XXXX by phone and by email and have not received a response on this matter. I have asked for the denial letter from the company as he stated it was not accepted and to take it back to the courthouse in XXXX XXXX and they might provide me a letter. I am requesting that this bank freeze her account due to the mishandling of her funds.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2023-08-01
Company: Experian Information Solutions Inc.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2022-05-18
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The Experian, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$2700.00} ; XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$540.00} ; XXXX XXXXXXXX Balance : {$0.00}

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 2019-06-19
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Diversified Consultants Inc. purposely reported to all 3 credit bureaus a negative debt of {$280.00}, as a collection. I have never been notified by the origin creditor XXXX XXXX or Diversified Consultants Inc. Reason being ... my account was paid in full when I switched service providers. I purchased a new home and neither company had my new address ... I never received any forwarded mail from either and Diversified Consultants Inc cant provide me with any returned mail they may have got ( and they didnt ) They only learned of my New Address when I wrote them Disputing the negative credit mark on my report. I sent them a certified letter on or around the XXXX of XX/XX/2019 ... crying foul of them not giving me a chance to dispute and challenge their assumption. Today XXXX XX/XX/2019, I received my first letter from DCI. They are doing things in reverse order and have cause me great problems. I ask you to look into this violation and have them remove the negative entries on all 3 credit reports. I am sending you the very first letter I received from them and my certified letter which I mailed once I was notified that they purposely reported a Collection on my credit. They have deliberately violated the rules of the FCA and my RIGHTS as a consumer. Anything less than a complete deletion is really a travesty and I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2023-06-27
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I got the predator loan.I feel I'm being taken advantage of.My car is only worth XXXX $ my pay off is XXXX I pay {$300.00} every other week when I assumed it was only {$300.00} a month.I did not understand as much as I thought being I end up paying {$900.00} a month plus {$300.00} car insurance.I don't know why XXXX XXXX interest rates are so unaffordable and Bridgecrest want the money regardless when you would be better off in a XXXX XXXX for that rate...

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 2019-06-18
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have XXXX  XXXX  XXXX as my mortgage bank and they sold my mortgage to a shellpoint mortgage Services this company is claiming I im behind in my payments but they don't gave me any prove of the month I im missing every year XXXX XXXX XXXX rise my mortgage saying some kind of adjustment on my scrow that is why my mortgage payment when from XXXX to XXXX but they still claimed I behind this mortgage company is all ready sending me an amount of {$6000.00} I don't know that they are talking about but all ready talking about foreclosure I don't want to Loose my house because of this peoples lies and they all ready send me a a paper saying how much I will pay for every paper or any thing they do with this procese

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account : OAG CHILD SU 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 2023-02-07
Company: EQUIFAX, INC.
State: DE
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

BankruptcyXXXX  XXXX BankruptcyXXXX  XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XXXX XXXX2022 Bridgecrest reported an open car loan of {$20000.00} which is inaccurate factual reporting. It is a discrepancy on my credit file that I have been fighting for a month on the XXXX  XXXX XXXX. XXXX reported it as a " repossession '' when in fact it was inaccurate reporting. How can that be when I barely had the vehicle less than 2 weeks?? XXXX delayed the delivery date by a month. Continuously reporting of different delivery dates, they are reporting I am 2 months late on the loan. If they deemed it so, then why am I getting a late payment status? If as a repossession, then why am I marked as late payments as of today? I gave the vehicle back in its standing condition they gave it to me & Bridgecrest openly admitted unwind/ reversing the contract. I have a letter from XXXX stating that Bridgecrest backed out of the loan. Both companies openly admitted fault on false reporting. The account you are reporting is identified a " repossession '' is unacceptable and incorrect. How can I be behind on payments that was " repossessed? '' That is impossible to default on payments after the fact! I have the right to an accurate/ correct/ precise/ lethal credit file. Discrepancies, inconsistencies, deviations, lack of congruence, and obliviousness is quite insulting and discrediting to the hard-working American people. Immediately remove this from my account. Like I said, I have the right to an accurate, true credit reporting and this is so disgraceful and unfair reporting. Remove it at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Ocwen Financial Corporation
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
OLS is involved in unfair and deceptive consumer practices with regards to our loan servicing. OLS provides us with false or misleading information regarding the amount due on the original term of the loan. Refuses to provide us with the accurate amount in arrears. OLS botched up our loan modification by providing misleading, incomplete information in an attempt to collect more than what it is required to collect. OLS refuses to reinstate our loan even after we informed them that we were willing to pay the total sum in arrears, approximately {$10.00}, XXXX dollars, as per the original note and mortage after a referee had determined, in a previous law suit that a specific amount is now due and owing and a down payment in the amount of XXXX, XXXX dollars was paid to reduce that determined amount with a remaining balance of about {$10.00}, XXXX dollars.

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