BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Wells Fargo Dealer services had my car repossessed on XXXX XX/XX/19 at XXXX. I woke up to a banging on my door at XXXX regarding my car. I was told I needed to hand over my keys by a large man maybe 3x my size. I asked if he could wait and that i needed to cal Wells Fargo and he said no. He said my car popped up on the registry 30 minutes ago and if they didnt pick it up someone else would. At this point, a few of my neighbors were in the hallway because of the noise. I get my keys to go downstairs to see my car on a tow truck. I live in a small building with 8 apartments and a private garage for the residents of the building so they forced themselves in because no one would have let them in. The guy said they made a lot of noise getting my car out. Before I could hand over the keys, the guy took my car key out of my hands. I asked where the car was going and he said just pay the bank what you owe to find out. They refused to give any paperwork or talk to me further. I filed a complained with the office of president affairs the same day ( XX/XX/19 ) regarding this unlawful possession and they still have yet to follow up. They have said that if the repo company says they didnt do it they will take their word. I sent Wells Fargo pictures of my garage which show it isnt open and the repo company said they were let in by someone which is false. I have spoken to Wells Fargo multiple times a day each day to follow up on this case and there is no resolution at this point. I have made the payments to get my car back and still dont have it because they delayed the processing and the repo company would not offer times for me to pick it up today. I now have to wait till Monday and call same day to pick it up

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: In progress
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: PA
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 have file numerous credit disputes over the past 5 year and have never receive and verification/validation of inconsistent and obvious contradicting information reporting within the reporting account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: American Credit Acceptance, LLC
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 have reached out to American Credit Acceptance prior to this notice pertaining to your Financial Institution disclosing to a nonaffiliated third party ( XXXX, XXXX, XXXX ) any nonpublic personal information that pertains to me, a Federally Protected Consumer, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: American Financial Network Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent a check to pay my mortgage for the month of XXXX in the amount of {$1900.00}. American Financial Network has not applied the payment to my account. I've called and reached out on numerous occasions to get the situation resolved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
It's pretty much been the entire time that I have been with Wells Fargo. There's always these weird little charges. All these outrageous overdraft fees when people live paycheck to paycheck. It's hard to keep money in the bank all the time.

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-30
Company: Experian Information Solutions 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:
Re : This serves as my official notification to you, or any company ( ies ), concerned that I here now have confliction with the reportability of your claim ( s ) until it's determinative that privilege to report was executed adequately and in a settled and firmly established certifiable compliant manner, even to the mandates in accordance with the XXXX required XXXX described Metro 2 data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim.

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 2021-08-17
Company: Ocwen Financial Corporation
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: Account information incorrect

Complaint:
Please look at my both of XXXX XXXX Mortgages. They are not showing payment history for the past 8 years. I successfully received a BK discharge in XX/XX/2014. The creditor has never taken my mortgages out of bankruptcy ; therefore I have gone 8 years with no positive payment history on either mortgage. This has significantly cased me to have problems as a consumer when I should be in this situation. XXXX XXXX XXXX servicing is threatening foreclosure it is an old HELOC on my primary residence that I want to refinance and payoff but I can not because it still shows me in bankruptcy chapter XXXX. However, I am 8 years discharged. XXXX is ONLY offering me a modification but this further denigrates by ability to recover ; it is simply not ok or just. 
PLEASE HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Selene Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Back in XXXX, I filed for a modification in which selene finance gave me the run around pertaining to documents and their dates. Then once I finally figured out what they were up to I decided to send it all in at one time then I was denied, but by that point I was XXXX in debt and they pushed me into foreclosure. That has since been resolved. 
In XXXX of XXXX they received an extra payment and I don't know if they kept it or applied it to my loan. 
In XXXX of XXXX they stated I had an escrow shortage for a little over 200 dollars and that was about XXXX bucks to be added to my mortgage for 1 year, but my mortgage was higher than that, when I did the math there was an extra XXXX dollars unaccounted for. When I asked why I was told it was part of the escrow shortage. If that's the case, why wasn't it included in that XXXX total that was divided by XXXX mo? Lies. Next around XXXX / XX/XX/XXXX I received another letter stating that I had over XXXX in cooperate fees and when I called in they said it's because I called in and had them look at my account for a modification, which I did not! So I threatened them with a lawyer. Mysteriously XXXX later I received another letter with Selene finances apology attached stating " there's an error '' and they'll be removing that XXXX off '', which they did. Now we come to XX/XX/XXXX and I received XXXX letters. The XXXX was to notify that I have yet another escrow shortage. That XXXX letter had no total. The XXXX letter came XXXX days later and now they're stating I'm over XXXX short! How? I have not missed any payments, my interest is a fixed 5 % for XXXX yrs, my homeowners insurance decreased and also I noticed on that letter that XXXX tax installment Selene has it wrong. They have it listed for over XXXX when in fact I have the actual bill showing a little over 1200. They are padding numbers hoping people won't catch it! Selene finance are a bunch of crooks! I'm XXXX on a fixed income, I can not afford to be throwing them money for no good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Collection Bureau of America Ltd.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX ( me ) had an account with Collection Bureau of America, XXXX  XXXX.

I paid the ENTIRE principle down two years ago, and they assured me that they would stop reporting.

I get my credit reports two days ago and see they have been reporting a {$10.00} " late fee '' as unpaid principle. Let me repeat : I paid them the ENTIRE amount they requested. 

I have tried to work this out with them but their only solution, which is basically a Pay to Delete scheme, is that I pay the {$10.00} " late fee, '' and a {$7.00} credit processing fee.

Neither of these fees existed when I paid the original principle which, to be honest, was difficult because it was over {$450.00}. I paid that at one time, there is no reason I would have left a {$10.00} remainder and it has been DESTROYING my credit. 

When I call, they hang up when I tell them they need to legally remove it. They are scamming me into paying a fee they made up. They told the principle debtor I XXXX XXXX XXXX  in XXXX  ( since I did ). This is illegal, immoral, and honestly it's gross.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: AL
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:
There are numerous amounts of inquiries that I did not authorize on my credit report including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: NY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) 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 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 explanation
Consumer complaint received 2023-02-15
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: WELLS FARGO & COMPANY
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XXXX of 2015, Wells Fargo illegally repossessed my vehicle. I found myself to be part of their class action CPI lawsuit. In the letter I received, it confirms that I am NO longer liable for this debt because of their unfair insurance that was added to the loan. I have disputed this multiple times with XXXX, XXXX and XXXX. XXXX HAS removed it. The other two have not. I want this illegal loan/repossession OFF MY CREDIT REPORT, and I will NEVER ever ever ever ever ... deal with Wells Fargo again!

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 monetary relief
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Inaccurate information being reported as verified. Improper investigation. And reporting closed accounts. I get a proved for anything and it's my families quality of life financially. I'm a XXXX percent XXXX veteran in financial hardship.

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX and I am reporting misleading information. There is no filing this complaint for falsely 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 non-monetary relief
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, DPTEDXXXX XXXX XXXXXXXX, # XXXX, XXXX ( original Creditor XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX original Creditor : XXXX XXXX XXXXXXXX, Original Creditor # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-04-04
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
a judgment was filed for an expired debt by calvary collection agency for a debt of {$1700.00} with XXXX XXXX. they have contacted my employer to collect my bank information and garnish my wages. I have sent out letters to the original agency who had my debt which was XXXX XXXX and recieved no response from them. these letter span an avergage of 2 years. i have never recieved written documentation regaurding XXXX XXXX and that my debt was sold to a different agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with fraudulent unauthorized inquiries

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 2023-11-06
Company: EQUIFAX, INC.
State: GA
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:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Removal of Inaccurate Information and Remedies for Damages Pertaining to XXXX XXXX Account # XXXX To Whom It XXXX Concern, I am writing this letter to address a matter of significant concern regarding the continual reporting of inaccurate, unverified, and incomplete account information on my Equifax credit report. This correspondence specifically relates to the account named XXXX XXXX, with the account number ending in XXXX. 

Despite my recent dispute initiated on XX/XX/XXXX, I am dismayed to find that the aforementioned account is now appearing on my report without an indication of it being disputed. Furthermore, upon careful review of my most recent credit report, it is evident that Equifax continues to negligently furnish inaccurate and incomplete information about this account. 

Herein are the specific discrepancies that I have identified : 1. Date of First Delinquency : It is inaccurately listed as XX/XX/XXXX, which is inconsistent with the payment history that depicts pays as agreed as of XX/XX/XXXX. This contradiction is misleading and reflects negatively on my creditworthiness.

2. Date of Last Activity : This critical piece of information is conspicuously missing ( No Data ), thereby rendering the account information incomplete and not reflective of the true status of the account. 

This continued negligence and non-compliance with the mandates of the Fair Credit Reporting Act ( FCRA ) are distressing and unlawful. Specifically, these actions are in direct violation of 15 U.S.C. 1681i, which requires prompt investigation and correction or deletion of any inaccurate or unverified information.

Additionally, the persistent reporting of this inaccurate and incomplete account by Equifax constitutes negligent non-compliance pursuant to FCRA Section 617 and infringes upon my consumer rights as governed by the FCRA.

Company response to consumer: Closed with explanation