BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I called Wells Fargo customer service on Friday XX/XX/2023 at XXXX central time. 

The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 1666B. As a long-time customer that has had an exceptional payment history with Wells Fargo . I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts.

After speaking with Wells Fargo customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customer 's consumer rights. 

Wells Fargo is tarnishing my name and credit profile by reporting late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.

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 2022-04-01
Company: EQUIFAX, INC.
State: LA
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America is foreclosing on my home. I applied for a Mortgage Modification/Loss Mitigation through the Home Affordable Modification Program ( HAMP ) and submitted all of the Modification application to Bank of America on XXXX XXXX. I did not receive anything from Bank of America, I called Bank of America 27 times. I was not given a single point of contact at Bank Of America, and on XX/XX/2019 told by Bank of America that they lost my Mortgage Modification paperwork and that I should contact their law firm XXXX XXXX which I did and was told that they did not have my Mortgage Modification either. Under the Consumer Financial Protection Bureau 's guidelines for Loss Mitigation Procedures and Statutes 1024.41, Bank of America has not exercised diligence and did not put perform reasonable diligence, lost my Mortgage Modification paperwork, and filed the information to a third party which also did not process the Mortgage Modification. Furthermore, I did not receive any written information from Bank of America.

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 2019-04-01
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo has sent me several general form letters in regard to opening of unauthorized accounts and resolution of fees charged to these accounts, the letters want to know if I am satisfied with resolution.. The resolution includes a refund check in the amount of XXXX. This is the only refund I received, which does not cover total fees charged including overdraft fees.. This refund was made as part of Wells Fargo Settlement which again, is only a small portion of fees charged to unauthorized accounts which I believe include a total of two or three. The fees run into the hundreds I believe, however, I do not have an exact total as the accounts are all now closed and do not have access to them. I request a refund of total fees charged to these accounts which were not authorized. Failing that, I request Wells Fargo to cease sending these letters asking if I am satisfied with resolution as I am clearly not.

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 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Credit CardXXXX XXXX XXXX XXXX XXXX- Credit Card- XXXX Please block this information from my credit report within 4 business days, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


Attached : Identity Theft Report Proof of identity : A copy of my drivers license and Social Security Card Fair Credit Reporting Act Section 605B Police Report Dispute Letter

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 2020-08-10
Company: Capital Accounts, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collections notice on my credit report was reported to the credit bureaus on XX/XX/20 by Capital  Accounts. Unbeknownst to me, I was unaware of any such claim or attempt to collect a debt, and I never received any documentation from Capital Accounts stating I could dispute the collections claim or was I granted any proof of bill or records showing proof I was delinquent in payment to the original creditor. I do not owe any past due debt to the creditor. 

I disputed the collections notice on XX/XX/2020 with each separate credit bureaus and requested for Capital Accounts to submit proof of bill and any records validating their fraudulent claim. It has been nearly 60 days and I have yet to receive any notification of proof from Capital Accounts. I have attempted to reach Capital Accounts via telephone and receive their automated voice message. My most recent attempt in communication with Capital Accounts is XX/XX/20 and I have phone records to indicate this attempt. 

Upon investigating my account number on Capital Accounts website, under their records for my account they have my fathers private XXXX telephone number listed as my phone contact and my mothers personal email as my contact email. They have fraudulently stalked my family members personal information and have used this information to attempt to collect a debt from me that they have not provided any proof or validity of their claim. 

Capital Accounts is in violation of Fair Credit Act and Fair Debt Collections Practices Act. My parents are elderly and Capital Accounts business practices has caused my family great XXXX XXXX  with fear of potential identity theft being acted upon by the company. 

Capital Accounts has also begun to fraudulently add interest to the debt of which they have not provided any proof of records or billing from creditor or was I given due-process to dispute the collection claim, amount or validity prior to the credit bureaus being alerted. There is no contract or record of agreement from the creditor stating that interest will be accrued and Capital Accounts can not keep adding fraudulent charges that increase on my credit report. Capital Accounts is in violation of Fair Credit Reporting. 

I will not be a victim to Capital Accounts misuse of debt collections and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Bliksum, LLC
State: MO
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 have a loan with XXXX, LOANME XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, LOANME XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
PLEASE REMOVE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-25
Company: The CMI Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Midwest Recovery Systems
State: MO
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 have a loan with MIDWEST RECOVERY SYSTE ( Original Creditor : XXXX XXXX XXXX ), MIDWEST RECOVERY SYSTE ( Original Creditor : XXXX XXXX XXXX XXXX - XXXX ), and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX, XXXX, MIDWEST RECOVERY SYSTE ( Original Creditor : XXXX XXXX XXXX ), MIDWEST RECOVERY SYSTE ( Original Creditor : XXXX XXXX XXXX XXXX - XXXX ), and XXXX/XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XXXX XXXX - XXXX XXXX XXXX was returned to XXXX XXXX XXXX XXXX. 

XX/XX/XXXX - Received a verification from the lease holder, XXXX XXXX  XXXX as Trustee of World Omni LT and Southeast Toyota Finance dba World Omni Financial Corp, that account was paid in full. 

Southeast Toyota Finance dba World Omni Financial Corp continually sends past due notices and harassing phone calls. 

XX/XX/XXXX - Copy of that letter was faxed to them at XXXX as instructed, and still received letters and constant harassing phone calls Called again to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-10
Company: Ad Astra Recovery Services Inc
State: MO
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 have a loan with XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ), AD ASTRA REC ( Original Creditor : 12 XXXX XXXX XXXX XXXX ), and XXXX XXXX  ( Original Creditor : 11 XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXXXXXX XXXX, XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ), AD ASTRA REC ( Original Creditor : 12 XXXX XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio recovery was added to my credit collections. It originally didnt state any in depth info regarding the account it took over. Ive never received notice of this debt. After further research I gathered it was a XXXX related account that they purchased. XXXX was listed on my credit a few years back and fell off before I could dispute it. This isnt my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 found a lot of errors on my credit report. I asked for those accounts to be investigated within 30 days. I did not receive any response until those 30 days, and also i have not received any of those account with my signature proving that these accounts belong to 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 2018-05-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
THIS IS NOT A NOTICE OF DISPUTE REGARDING AN ITEM APPEARING IN THE EXPERIAN FILE.

This is a follow up to a prior complaint against Experian with the CFPB ( Complaint Number XXXX ) filed via consumerfinance.gov onXX/XX/XXXX.

Experian FAILED to answer the specifics of my complaint, and for this reason, I am resubmitting the complaint.

First of all, Experian is REQUIRED by the rules clearly spelled out in the Fair Credit Reporting Act ( " FCRA '' ), to provide a consumer with the " Description of the reinvestigation procedure. '' 15 U.S.C. Sec 1681i ( a ) ( 7 ).

My NOTICE and complaint against Experian was quite clear, it was a follow up to a PRIOR dispute regarding a factual error on the consumer report, for which Experian claimed the item was " verified. '' It was NOT a dispute itself, but rather a FOLLOW UP TO A NOTICE OF DISPUTE, as per dispute rules of the FCRA.

The Report # was XXXX, dated XX/XX/XXXX. The item in dispute was " XXXX XXXX XXXX '' Experian may NOT simply " parrot '' information from a furnisher, and claim an item is " verified. '' Since this complaint is NOT A NOTICE OF DISPUTE, Experian DOES NOT have my permission to share any personal information regarding this CFPB complaint with the furnisher, and simply pretend that it is a dispute so that it can simply claim the item is " verified. '' This complaint is a NOTICE to Experian pursuant to the FCRA, and Experian MUST ONLY provide me with the following : 1. The EXACT PROCEDURE it used to " determine the accuracy and completeness of the information '' in reference to the Report # XXXX. This includes the PHYSICAL DOCUMENTS that Experian used to verify that the item, including all amounts and payment history were being reported accurately.

2. The NAME of the person that Experian contacted ( vague responses of " furnisher '' or " the company '' will not suffice ). Experian must list the SPECIFIC NAME of the person it contacted ( " person '' is defined in the FCRA, under Sec 603 [ 15 U.S.C. 1681ia ] ).

3. The BUSINESS ADDRESS of the person that Experian contacted regarding the dispute.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, 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 2020-11-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: WELLS FARGO & COMPANY
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:
I just received the most disappointing response of all to date from Wells Fargo Representation as they've made no attempt to explain they're newly redefined modification terms hat was offered to me back in XX/XX/2010. Little do they know that I had given the modification to legal experts for review and they themselves found no fixed rate offer, but somehow Wells Fargo after a month of reviewing their own Modification determined that it was a fixed rate modification offer after all ... So sad to think that the modification I was looking for from Wells was offered nine years  ago, that is if you are to believe whats being conveyed today because you wouldn't know it by reading the then proposed modification? Any legal action resulting in a court hearing would definitely rule in my favor, which is probably why Wells Fargo 's latest response is the most cryptic and deflective of all, and yes thank you for all the past miss-information and inconsistencies as they will serve me well. I know Wells Fargo 's culpability all to well and as far as this platform for resolve Wells has hired  all actors playing the part of support and resolve specialists, but all they do is look for ways to slither way unscathed and check their box.

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