BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act, Experian 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. Experian continues to violate my rights by publishing without my written instructions. I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2021-12-23
Company: WELLS FARGO & COMPANY
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Fraud/scam through Wells FargoXXXX for {$1000.00} XXXX 

Received a text at XXXXXXXX XXXX on XX/XX/21 allegedly from Wells Fargo to confirm my money transfer via XXXX. I did not initiate that transfer; replied " no '' to the text. 

A phone call followed from seemingly the Wells Fargo fraud department ( number saved in my phone ). The caller explained that the money needed to be moved to a new account to avoid further XXXX transfer attempts. They had me create a new XXXX account with my name and phone number, no other information disclosed. My login information was not disclosed during the call. Then a {$1000.00} was transferred to a recipient with my name and my phone number. Turns out it was a fraud/scam - the money " has been received '', but not in my newly created XXXX account XXXX 

Wells Fargo has been contacted on XX/XX/21 to open a fraud investigation under Electronic Fund Transfer Act ( EFTA ) and Regulation E.

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 2022-08-16
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a Principle payment of XXXX XXXX dollars and Mr Cooper reversed it added to a mortgage payment that had already been made and by doing so I was charged interest. The customer service worker said her screen is showing her activity payments credits that are not on my statement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
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:
Experian has defamed my character, breached my right to privacy and did not perform due diligence in conducting proper investigative reports to prevent identity theft and unauthorized use of my information. After many attempts of dispute, Experian has done nothing. 
Experian posted " potentially negative '' for all of my accounts in my report, even the ones that are in great standing. 
Experian shared my information without my consent, through soft and hard inquiries. 
I am the victim of identity theft and Experian has done nothing when I disputed them in the past. 
Experian breached my privacy which is an individual action pursuant 15 USC 1681a ( 4 ) My consumer report is not fair and equitable to me pursuant 15 USC 1681 because of Experian 's mistakes.

Experian reported transactions that were solely supposed to be between me and the one furnishing the report, an individual action pursuant to 15 USC 1681a ( 2 ).

Debt collectors can not falsely represent or implicate that they are vouched for, bonded by or affiliated with the United States, however Experian allowed these debt collectors to falsely furnish inaccurate information to intimidate me that they were vouched or bonded by the government : 1.United States Department of Education 2 . United States Department of Education/GLE 3. XXXX  XXXX  XXXX  4. XXXX  XXXX  XXXX  *when I called the United States Department of Education they told me that they are not debt collectors and that they should not be on my report *when I called the others on the list they told me that they don't have a current account with my name on it Experian still did not remove it The following debt collectors have taken my information without my consent or authorization and have furnished false reports alleging that I owe a debt violating my consumer rights pursuant 15 USC 1692c ( a ) and 15 USC 1692b ( 2 ) ; I don't owe these debts ; 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX I have added documents with affidavits that I have sent to Experian as well as other supporting documents. 
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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2022 I sent certified letters to XXXX, XXXX and Transunion regarding an error on my credit reports regarding XXXX XXXX XXXX. In these letters I stated that they were reporting this an an open account which is not under FCRA compliance. I also stated that there was account number with XXXX and it wasnt the full account number and on the other reports there was no account number at all. Also the dates are not the same and being reported as past due which is also not in FCRA compliance. All bureaus should be reporting the same information all around the board. While examining I noticed that the account was updated instead of being removed or corrected. I will attach an image of the reports showing all the errors as well as the certified letter receipts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Receivable Performance at XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of {$1900.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2023-02-23
Company: EQUIFAX, INC.
State: OR
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:
In XXXX of XXXX  I tested positive for XXXX, as did my entire family. Shortly after we all recovered in XXXX we all got the XXXX. Upon returning to work I immediately resumed payments or entered into various agreements to avoid penalties/interest/late charges. XXXXXXXX XXXX XXXX  sent me an offer on XXXX. I will attach the email. I then followed the instructions in the email and on XXXX I made a payment of XXXX to my account, as requested in the email. I then got an email confirmation that my payment was applied. I then logged on today and made another payment of XXXX, well over the minimum due. I noticed on my credit report ( s ) it shows my account as " closed ''. Nowhere in this email ( attached ) does it indicate by making this payment you are " agreeing '' that we will close your account, nor does it say anything about closing my account. I attempted to contact them directly via the chat option in my online account. I asked them to please correct what is being reported to the credit companies because this information is not accurate. They informed me that it is accurate, and they won't be changing it. This is unacceptable. It has devastated my credit score and I am trying to get a mortgage. I made every attempt to connect with them, I paid my account per the agreement sent me to, and none of this was noted in the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: OH
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:
My husband, XXXX XXXX, and I leased a XXXX XXXX XXXX from XXXX XXXX in XXXX, OH on or about XX/XX/XXXX. This was a two year lease, expiring on XX/XX/XXXX, so we traded it in to XXXX XXXX on XX/XX/XXXX in exchange for a XXXX XXXX XXXX. We made our last payment for the XXXX on XX/XX/XXXX, and paid the amount owed for the XXXX at trade in ( see the bank statements, attached ). 

On or about XX/XX/XXXX, we received a bill from XXXX XXXX for payments on the XXXX allegedly owed in XXXX and XXXX of that year. We contacted our salesman at XXXX, sent in the vehicle return receipt to XXXX XXXX, and believed that the dealership and XXXX XXXX had worked things out. We didnt receive any more bills after that. 

As you will see from my attached letter, they had not resolved this billing issue, and our credit scores dropped approximately 50 points over the XXXX holiday. I filed a dispute with Equifax in XXXX of XXXX. The balance was changed to {$XXXX}, but issues remained. 

Ultimately, I filed a second dispute in XXXX since our scores did not recover, and I still had late payment status showing on my credit report ( attached ). 

This dispute was not corrected, and this issue became known in the course of applying for a home equity line of credit from XXXX XXXX this week ( also attached ). I contacted Equifax today, they confirmed that these amounts were past due, and they ultimately sent me to XXXX XXXX. XXXX XXXX Loss Prevention rep ( XXXX ) reviewed my account, confirmed that they were still looking for these two payments, and directed me to the dealership. My question to both was how is it possible that we could owe payments on a vehicle that was in legal possession of the manufacturers dealership/ financial arm? I had sent both parties evidence of our non-possession of the XXXX in XXXX, yet this report stood. In both cases, the parties pointed me elsewhere. XXXX was unwilling or unable to help me beyond that point. 

I then left a message for the general manager at XXXX XXXX hours ago, with no response so far. 

Please help. At no point did any of these companies take any accountability regarding this mistake that one of these parties made, and it is negatively impacting us, despite our best efforts to be as fiscally responsible as possible. 

Thank you so much for reading this complaint. If you have any questions, please call. XXXX. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit 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:
A cellphone was fraudulently purchased with my Bank of America XXXX XXXX for {$940.00} from XXXX XXXX on Sat XX/XX/XXXX in the afternoon. It was picked up the following morning ( Sun ) around XXXX in XXXX XXXX CA XXXX ( I have email receipts from XXXX XXXX for all of this, since my email was tied to my CC number ) The phone was then taken to the XXXX, CA XXXX XXXX and exchanged for a laptop. The exchange happened on Sun evening around XXXX. I have the serial number of the fraudulently purchased laptop as well ( XXXX ) I noticed the activity later that week and called Bank of America. They did issue temporary funding back to my account but on XX/XX/XXXX, they closed the claim and recharged me the {$940.00}, citing a response from XXXX XXXX that the merchandise was shipped to me. They said I could see this letter at a Bank of America location, but the woman at the actual bank had no idea how to do this. 

The claim of shipment is an outright lie on XXXX XXXX part, nothing was shipped and I have the email chain to prove someone purchased online, picked up at XXXX and then exchanged in XXXX. I also called XXXX XXXX after I initially contacted Bank of America on XX/XX/19, they were not helpful at all and didn't even want the stolen laptop serial number. 

I reported this incident to the XXXX Police as well ( I am a XXXX resident, and the initial fraud took place in XXXX ). The incident number is XXXX, I spoke with XXXX XXXX. 

BofA also has all of the email, they were faxed to them on XX/XX/XXXX ( after they sided with 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 monetary relief
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/2023 Loan amount : {$39000.00} I purchased a vehicle from XX/XX/XXXX in Indiana in XXXX. After driving the vehicle for five days, a catastrophic error occurred in the vehicle not due to me as the operator. Vehicle has been in the shop through the end of XXXX. In that time,XX/XX/XXXX in the general manager, XXXX XXXX sent me paperwork to sign for the buyback of the vehicle. During that time the date in which the initial payment was due on, the vehicle did not occur and I let XXXX XXXX know that it is past due. I was receiving phone calls from the collections department at XXXX bank and passed along the letters that XXXX bank have been sending to me to XXXX XXXX at XX/XX/XXXX. His finance department was very unresponsive. They kept telling me it was being handled so the check never was sent to, XXXX Bank to buy out the vehicle from me. I had to threaten with legal action for them to finally send the check to XXXX bank in XXXX. I received a letter stating my vehicle had finally been paid off at the end of XXXX. This has negatively impacted my credit score due to the lack of urgency and competence at unlimited motors. I dont believe its right for me to suffer because of their poor customer, service, and lack of willingness to help. Documentation of the buyback clearly dated XX/XX/2023 is included in this claim in the letter from XXXX bank in XXXX stating my payment still had not been made which was past the 90 day window. Please make this right for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally dispute several inaccuracies that I have discovered on my credit report, specifically in relation to the information provided by your bureau. I have attached documentation highlighting the errors and discrepancies that I have identified. 

Firstly, I would like to address the issue of the incorrect date of the account 's opening that is being reported across all three credit bureaus. 

Furthermore, I would like to draw your attention to the discrepancies regarding late payment information. As indicated in the attached documentation, there are variations in the reported months for the late payments on the account. This inconsistency not only misrepresents my payment history but also violates the Fair Credit Reporting Act, which mandates accurate and complete reporting of consumer information.According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit bureaus to ensure the accuracy and integrity of the information they report about consumers. Inaccurate information, such as the aforementioned errors, can have severe repercussions on my ability to access credit on fair terms and can potentially damage my financial reputation.

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 2023-04-16
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am not liable for this debt with AmeriFinancial Solutions and do not have a contract with them. They did not provide me with any original documents or signatures like I asked. This debt was not properly validated. 
The problem is the company didn't provide the documentation that proves I owe anything. Where is the contract between the company and me? Where is the full accounting because I can't just take their word for it that I owe some company I've never contracted with, some made up number?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I ask that the items be deleted to correct my credit report. These creditors have reached out to me through letters even after cease and desist were told. Also if my information is sold to a collection agency without my consent this should not be reporting on my credit report. It has been more than 30 days since these disputes have been filed. I am unable to attain a home or get any credit because of these inaccuracies on my credit report. 
These accounts also were not finance charges. Only finance charges by law should be reflecting on my credit report. 
I would also like to receive damages for being homeless because of lack of credit because the bureaus report inaccurate information.

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 2022-08-16
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
A payoff was sent to the company on XXXX XXXX and was not received until XXXX XXXX. Wells Fargo is horrible. The amount sent was to pay off on XX/XX/2022. I have been contacted 5 times since about paying an additional amount over {$300.00} to which the company has not been able to tell me what the additional amount even covers. I found out today XX/XX/2022 that they still have not cashed the check for all but the additional amount and the additional amount was sent yesterday with that still not being annotated. I have requested that the company cash the check and additional money to pay off the mortgage and they have informed me today it could still take an additional 2 weeks. I have requested they strike any negative remarks to my credit report as well.

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