BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2020-09-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX Bayview do not combine this response with any other request do not send document that are not requested do not send copies of the mortgage do not send Bayview statements do not send a account history do not send frivolous documents not requested, send your response in writing as mentioned numerous time via USPS. 

In your Reinstatement Letter dated XX/XX/2018 attached send the breakdown of {$9800.00}, 1-specify each month the total amount due with the breakdown for principal, interest, escrow 2-identify the month amount of each late charges totaling {$250.00} 3-what month are you forecasting a late payment {$42.00} 4-breakdown of the other funds of {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: F.H. Cann & Associates, 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:
The remaining balance on my student loans ( roughly 36,000 in XXXX ) was discharged in XXXX due to XXXX  XXXX. The Social Security Department indicated in the initial paperwork that my case was not subject to any three year reviews. 

That and other documents were submitted to XXXX/DEPT of ED in the initial application and have been resubmitted to them along with other documents several times since XX/XX/XXXX when I first learned that they and FH Cann were reporting over six months of delinquency to the three bureaus. 

None of the agencies had ever sent me notice of any alleged debt. Nor had any of them ever sent any notice of required payment. When I questioned supervisors about this fact they claimed they didn't have any of my contact information. My contact information has been the same since XXXX when I was granted full discharge due to the severity of my XXXX. I have loads of old emails, mailed documents to prove that they did have all of my contact information. There is also no excuse for their failure to look at my credit report and/or public records to find my contact information if indeed they had any confusion. 

The XXXX staff at the Dept of Education told me it was clear that I had a XXXX balance in XX/XX/XXXX. The agent advised me to resubmit a XXXX discharge application because of the bureaucracy involved in making corrections and my emergency situation which all parties have been made aware of. ( The situation which I've explained to all is that I'm facing homelessness as a direct result of the false reporting on my account. I've been turned down for every application that I've made for housing due to the inaccurate reporting. ) The gentleman at the agency also suggested that I file a request for a settlement agreement despite the fact that I have a XXXX balance. These applications were made months ago. 

I've had endless conversations with each party in efforts to resolve this matter. I've submitted and resubmitted all documents. I have still not received any bill or proper explanation of the alleged debt. In response to all of this effort, the agencies took one action. They closed accounts and recycled them into a new claim. 

I am on the verge of being homeless. This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Westlake Services, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was offered a settlement by Westlake portfolio management for an existing debt. I was offered this settlement on XX/XX/2023. I made the payment as requested and was promised by the representative that I would receive a confirmation of settlement letter in my email and my credit report would be updated within XXXX  days to settled for less than full balance. I never received a letter and my credit report only updated the payment I made not the balance. I called back and spoke with XXXX again who said he didnt know why I didnt get the letter, but he would ask for it to be sent again to my email and that the credit report would be updated shortly. I never got the letter. The credit report was not updated. I believe the representative used the settlement offer to get me to make a payment so he could get credit for the payment and never intended to settle my debt. My credit report is still showing the full balance of the debt and no settlement, that is complete misrepresentation of what my balance is supposed to be and what I had to pay to clear my balance. My attempts to get this resolved with the company have been completely ignored. They tell you they dont have supervisors that they can give you to and I just have to wait for emails that never come. My credit has been damaged by this company after I was promised a settlement to clear my balance. This is a misrepresentation of balance owed not to mention outright dishonesty to collect 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 2023-07-12
Company: Experian Information Solutions Inc.
State: FL
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:
Experian is reporting XXXX medical accounts that dont belong to me it looks like these accounts were purchased by another collection agency and reinserted. These are not my accounts. I uploaded documents on Experian website and they stated online that the investigation was concluded. However, when looking at the results there saying there not available online please help. 

XXXX XXXXXXXX {$2000.00} XXXX XXXXXXXX {$840.00} XXXX ACCT # 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 2018-08-21
Company: Lendmark Financial Services
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:
On XX/XX/2018, I purchased a car for my daughter who had recently XXXX from XXXX XXXX with the intention of selling it to her within a couple of months after she was able to get her finances in order. I discussed this scenario with the loan officer as we were going through the closing documents which included the option to purchase GAP insurance which I had initially agreed to as we were going through all the closing documents. As I continued to go through the stack of documents, the loan officer, my daughter and I chatted about me selling my car to my daughter within the next XXXX months. The loan XXXX then advised me that the GAP insurance would not be transferable to my daughter XXXX months later when I would sell the car to her. Upon hearing this news, I advised the loan officer that I no longer wanted GAP insurance. She went to speak to a supervisor to see how to handle the change since the paperwork had been processed that included GAP insurance. She came back and advised me that since the manager had to leave early that day, and had already approved the transaction, she would send me a refund for the GAP insurance. I had no reason to doubt that they would keep their word but wanted to make sure that it was notated in the closing documents. I drafted a statement advising that I no longer wanted GAP insurance and that document was included in the closing documents. 

I waited patiently for the refund for a couple of weeks and did not receive it. I phoned the office and was advised that the manager would get back to me with the refund. I never received the refund. I continued to call the office and was later advised that those funds would be applied to the balance. I was fine with that since I would be selling the car to my daughter within the month. Upon receiving the final payoff, I noticed that there had not been an adjustment for the GAP insurance. I began calling the office again. Once again the manager was out but the supervisor remembered my conversation with the loan officer and the fact that we had made the notation during closing. He said the manager would handle it. 

After a few weeks, I had the opportunity to speak with the manager and she advised me that even though I changed my mind during closing that GAP insurance was not refundable. When I inquired as to why the loan officer stated that I would get a refund, she simply said she didn't know why she would tell me that. I reminded the manager that my signed document declining GAP insurance was included in the closing documents. She said she was aware of that ; however, I couldn't change my mind even at closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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 status incorrect

Complaint:
There is a charge-off showing on my credit report from XXXX XXXX XXXX that should not be, I was in a wreck, and I didn't find out there was a balance until the insurance company submitted the check! I have attached all the paperwork with this complaint, that show and prove that the balance was paid in full! Please remove this charge-off from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I received an invoice for a " XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Graphic Card '' from a seller by the name of " XXXX XXXX XXXX XXXX. '' I had first encountered them via XXXX as they were a seller. When I purchased their product via XXXX, they had originally shipped the package under the name " XXXX XXXX XXXX. '' However, I soon received an email saying that they were having trouble with their paypal account and that I would need to pay via paypal directly ( which was the invoice they sent me ) and that they would refund me for the initial {$270.00}. They sent me Later on XX/XX/XXXX the seller contacted me via the name " XXXX XXXX '' saying that their previous XXXX account had been reported and that not to worry since it didn't affect paying through paypal. I proceeded as normal through paypal and paid the invoice. After waiting a month for my item to arrive, on XX/XX/XXXX, I messaged the seller to see when I could expect the package. There was no reply. After seeing that the package had been delivered to a post office in XXXX ( I saw this via the tracking number provided through XXXX pos ) I then reported the transaction to paypal on XX/XX/XXXX. They had me write an email to contact the seller. On XX/XX/XXXX, after receiving no reply from the seller and never receiving my item, I escalated the dispute to paypal. Within 10 minutes I received a reply from paypal saying that the dispute was settled in the favor of the seller, with no reasoning as to why. I emailed paypal again, on XX/XX/XXXX, of why the case was settled in their favor when there was clear evidence that I never received my package and no effort from the side of the seller to even contact me. All I have received from paypal so far are only automated emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX I.C. System, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Cease and Desist I.C. System, INC I am demanding verification of such debt. Verification is defined as a formal declaration made in the presence of authorized officer whereby one swears to the truth of the statements in the document " Garner, B. ( 1995 ). Black 's Law Dictionary ( 6th ed. ) ''. I demand proof that this corporation provides proof that I signed a contract with them. Since you will not be able to prove that I owe your company any money, I demand you to stop emailing 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 explanation
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Somehow my Wells Fargo account got set up for overdraft protection when I previously have not had that feature and charges would decline including reoccurring payments. It took me XXXX attempts to finally get an answer as to why that was happening and I was refunded XXXX overdraft charges but they initially only wanted to give me XXXX  % of the overdraft charges back. A supervisor gave me the whole amount back. I was told I was unenrolled from that, but XXXX  days later I still had XXXX overdraft charges to my account. The second supervisor was a complete XXXX  about it and did not want to give me anything back even though this was a Wells Fargo mistake ( for my account being somehow signed up for overdraft protection. ) She was completely rude and was not going to give me anything back until I told her I was going to open a claim with this consumer protection. She finally gave it back to me after that and then hung up on me. This is the worst customer service and scam. I used to be so happy with Wells Fargo and now they're complete fraud. They are still doing what they got sued for. Representatives are also only allowed to give XXXX  % back which is a total scam also. After speaking to the last route customer service supervisor I went to my account to take screenshots of all the overdraft refunds to provide to this site now I can not pull up all of them because part of my account search feature has been XXXX. Never have I had that happen until now so I can not even take screenshots of all the refunds from them fraudulently charging me overdraft fees.

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 2023-06-18
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:
This complaint is proffered against XXXX, XXXX, and Equifax for reporting incorrect or unverified information from a account named XXXX XXXX under account number XXXX and or XXXX. I filed a dispute with all credit bureaus and all bureaus verified information as correct/ accurate and denied my disputes. No other disputes are pending and a copy of the consumers smart credit 3 bureau report is included in this complaint to verify said errors. The said errors are as follows : XXXX. Both XXXX and XXXX report high balance for this account as XXXX. Equifax reports high balance as XXXX. Both can't be correct. XXXX. All 3 bureaus report a different date of last activity. XXXX reports XXXX as XXXX. XXXX reports XXXX as XXXX. Equifax reports XXXX XXXX. All three can't be correct. XXXX. XXXX and Equifax reports are missing Date account was closed. XXXX. Both XXXX and XXXX report Date of last payment as XXXX. Contrary, Equifax reports date of last payment as XXXX. Both can't be correct and verified as accurate. XXXX. XXXX and Equifax both report Balance owed as XXXX. Contrary, XXXX reports balance owed as XXXX. Both dates can't be correct also. XXXX. XXXX and Equifax both report past due amount as XXXX. Contrary, XXXX reports past due amount as XXXX. Both amounts can't be correct either. XXXX. Both XXXX and Equifax are missing last date verified. XXXX. XXXX report says date of last payment made was XXXX. Contrary on same report under 2 year payment history calendar, it shows last payment made was on XXXX. XXXX. Equifax report says last payment made was on XXXX. Contrary on same report under 2 year payment history calendar it shows in XXXX account was 60 days late. XXXX. Both XXXX and Equifax payment history completely differ. XXXX shows in XXXX of XXXX account was o.k.. Equifax shows in May XXXX day late. XXXX shows XXXX day late in XXXX of XXXX and Equifax shows XXXX days late in XXXX of XXXX. XXXX shows XXXX days late in XXXX of XXXX and Equifax shows XXXX days late in XXXX. XXXX shows XXXX days late in XXXX Equifax shows XXXX  days late. All mismatched information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX  has failed to provide me with requested documentation verifying the accounts i disputed does indeed belong to me. It's gone way past the 30 day mark and still no changes to my account. They first recieved my letter on XX/XX/2018 and and respnded on XX/XX/2018. My second letter was received on XX/XX/2018. Both sent via certified mail. I just checked my report again on XX/XX/2018 and there's been no updates. I am aware of my rights under the FCRA stating for prompt deletion if and whenever information can not be PROPERLY verified and I now need assistance in resolving this manner sooner than later. Thank 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 explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately

Company response to consumer: Closed with explanation