BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-10
Company: WHEELS FINANCIAL GROUP, LLC.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I took out the loan XXXX XXXX 2022. My car was repossessed on XXXX XXXX 2022. My fiance grabbed the wrong title and sent it off by mistake, they tried calling me two times I guess to make me aware of this but I work in a rehabilitation center where we can not take our phones due to confidentiality they never left a message they never called my references they never called my job they just came and took my car. I have talked to a supervisor 's I have talked to the title department or talk to the repossession department they want me to pay {$500.00} just to get my car back I feel like this was taken on false also when I called to go ahead and pay the {$500.00} through my bank account they told me that XXXX payments were not accepted on the website and on my contract that I signed it clearly states that XXXX payments are accepted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Remaining balance on Wells Fargo Auto Loan after maturity date. Started reaching out to Wells Fargo Auto in XX/XX/XXXX. First call I was told due to missing payments from XXXX. Second call I was told it was due to interest accrued from deferred payments and my account would be looked into. Received letter from Wells Fargo Auto dated XX/XX/XXXX stating documents I requested and had copy of payment history. Received letter from Wells Fargo Enterprise Complaints Management Office dated XX/XX/XXXX stating they needed more time to research. Received letter from Wells Fargo Enterprise Complaints Management Office dated XX/XX/XXXX stating balance was correct and principal balance due by XX/XX/XXXX. XX/XX/XXXX filed complaint with State Attorney General. XX/XX/XXXX received first call from XXXX from the Executive Office of Wells Fargo. Several attempts to speak with XXXX failed and spoke to different representatives at that office and was still not provided with any information about reasons for the call other then pertaining to my concerns expressed to the State Attorney General. Finally spoke with XXXX on XX/XX/XXXX who gave me conflicting information and told it was being researched and would call me back. As of today XX/XX/XXXX, no further response from any representatives from any Wells Fargo departments.

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 2018-08-28
Company: EQUIFAX, 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:
In XX/XX/2018 I disputed the bankruptcy in my file when I pulled my credit. I sent it to Equifax and on XX/XX/XXXX I got a notification from XXXX XXXX stating it was taken off. A few days later I received 2 updated credit reports one with the bankruptcy still on and another still on. A week later it was put back on. I contacted them by phone and letter and they didnt really have anything to really say only that we cant do anything. The courts do not put public judgements on a credit report. So I wrote to the court address on my file and it was returned as no such address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: ID Analytics, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reference to. My previous CFPB against SageStream LLC. They hand not honored my request for a copy of my consumer reports Nor did they honor my request fur a security freeze. I mail in three request with documentation via certified mail. Any talk about online submission is not applicable to this situation. Therefore my last recourse will be to seek legal remedy. This will serve as notice of pending upcoming litigation I have been asking for. Copy of my consumer report and a freeze on my report with confirmation. Sagestream keeps mentioning credit report and my request has been for consumer reports which I am in entitled to request according to the fair credit reporting act. I have done this via certified mail on three different occasions they reviewed my mailman request they would have known. 

Sagestream is in violation of the FCRA and NJ FCRA I will seek remedy through legal means including damages for willful neglect and financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am on the XXXX program. XXXX has, for 180 days, failed to properly calculate the number of payments I have made on my loans. I have been paying as a XXXX employee since XXXX of 2010, and they are claiming to only have records of the XXXX payments made to them, and are " researching '' the remainder. 

Additionally they are requiring recertification XXXX months ahead of schedule.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: SANTANDER HOLDINGS USA, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and Account Name : XXXX  XXXX ( Reporting on XXXX , and Experian ), Account # : XXXX and Account Name : XXXX XXXX XXXX ( reporting on XXXX and XXXX ) , and Account # :XXXX, Account Name : XXXX XXXX XXXX XXXX  ( reporting on 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
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:
This is a fraudulent account with XXXX XXXX XXXX XXXXXXXX, i make a request for this account validation and XXXX XXXX could not validate this account as mine as FCRA says..

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 2023-02-28
Company: Village Capital & Investment LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage on my condo a couple of years ago and my loan was sold to Village Capital & Investments. Up until this point, I have had no issues with payment and have never needed to call customer support until recently. 

I am currently still waiting on my XXXX Form-1098 to file my taxes. My XXXX tax document was received on XX/XX/XXXX last year, but as of XX/XX/XXXX, I have yet to receive my XXXX document. 

I am opted for the paperless delivery system, and my online profile only shows my previous year tax document. 

I have tried to contact the customer service number ( XXXX ) over the last couple days and have been waiting on hold for long periods of time, even waiting 50+ minutes before I gave up. I also tried the call back option and have yet to receive any correspondence. I also emailed twice with no response. 

When I called the customer service number and tried the refinance option, I was conveniently able to speak to a live person right away, but was sent to the tax department and put on hold again. 

I'd like to think this is a one off occurrence, but other comments on XXXX show similar results with customer support. I just want to be able to pay my taxes and not get in trouble with the IRS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 I had a pre-qualified offer from XXXX XXXX to purchase a car. I took this offer to XXXX XXXX XXXX in XXXX, NC. 

The financing department at XXXX XXXX XXXX submitted multiple credit applications on my behalf without any consent. XXXX XXXX XXXX fraudlently submitted credit applications without my consent to XXXX XXXX and Bank of America. There could be more but these are the two which I received letters for.

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 2023-11-14
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2023 I made a payment to MOHELA via XXXX XXXX XXXX  bill pay in the amount of {$680.00}. 

MOHELA has yet to provide me credit for this payment. I have attempted to contact MOHELA via their secure message system. They reply with a generic response that according to their records this problem has been resolved. 

I also used XXXX 's system where I can report a missing payment. XXXX provided a response indicating they have made multiple attempts to contact MOHELA but are are unable to connect with someone. 

During this time I continue to pay interest on student loans and the interest continues to accrue. I believe this is fraudulent accounting principles and if you multiply my case by thousands if not millions of other students in the same situation, we are paying massive amounts of interest in loans in an unfair and dishonest manner. 

MOHELA refuses to credit my account with a payment that was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I got the mail from Discover bank on XX/XX/2023 ( delivered by XXXX ), showing that someone changed my saving account email address on XX/XX/2023. I immediately checked my Discover saving account and found {$81000.00} has been transferred out as well as {$30.00} wire transfer fee. I directly called Discover dispute department and request the dispute. They said they need to investigate and no timeline can be provided. 

I was not aware of anything from the beginning, not sure how someone can change my email address and phone number in my account without notifying me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, these accounts and inquiries below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX - Inquired on XX/XX/XXXX - Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts and inquiries have violated the consumer 's right to privacy. 
15 USC 1681 sec. 602 A states the consumer has the right to privacy. 15 USC 1681 sec. 604 A sec 2 states that a consumer reporting agency can not furnish an account without the consumer 's written instructions. 15 USC 1681c. ( a ) states that : no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) 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 2017-12-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved a copy of a collections bill from XXXX XXXX XXXX and would like debt validation from them and XXXX XXXX- I have been disputing the validity of this debt and it continues to not be validated.

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 2020-03-25
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Bureau Systems is reporting several accounts to my credit reports that are results of identity theft. I have contacted the company several times since XXXX when this started with police and court paperwork that clearly state these are not my accounts and they were opened fraudulently by someone else. That person even admitted to the opening of the accounts in XXXX and was ordered by the Judge to pay all of them, yet CBS has ignored all legal paperwork sent to them and still reported accounts they know are fraudulent for over the past 5 years.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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:
BEING A VICTIM OF IDENTITY THEFT AND AS A CONSUMER I HAVE REACHED OUT TO XXXX XXXX   XXXX AND TO THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SUBMITTED MY IDENTITY THEFT AND ACTUAL STATEMENT TO PROOF MY IDENTITY AND SIGNED AFFIDAVIT NOTARIZED THAT I AM VICTIM OF AN IDENTITY THEFT. I NEED THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT CARD. I DON'T HAVE ANY INFORMATION ON THE THEIF OR ON THE FRAUDULENT ACCOUNT. THE ACCOUNT IS CLOSED AND IT HAS A XXXX BALANCE, I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: REGIONS FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019 we reported a fraud dispute form to SuperFleet Mastercard stating that one of our company gas cards had been stolen and there were multiple fraudulent charges made at a gas station in XXXX Ohio. There were multiple purchases of Premium Gasoline made on the same day very obvious fraudulent activity. SuperFleet would not cover the charges and sent our statement to a collection service.

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 2019-11-02
Company: Experian Information Solutions Inc.
State: WI
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 have sent in multiple certified letters about a bankruptcy that they are reporting inaccurate information on my report I have ask for them to send me a method of verification to show proof they continue to REPORT INACCUARATE INFORMATION and refuse to verify the information which is a violation because they have to get it verified thru the original handler which would be the us bankruptcy court. so they are already in violation and refuse to send me a real validation and that is my right.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: NY
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-14
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
A few months ago I submitted a complaint to CFPB and the resolution needed was a fairly approved. The overpayment of my student loan should have arrived te weeks ago but there is no stopping her. Can you clarify when Ill will receive my reimbursement. My previous complaint number XXXX Thank you 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 2023-04-24
Company: Experian Information Solutions Inc.
State: NY
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, these accounts and inquiries below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX - Inquired on XX/XX/XXXX - Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX These accounts and inquiries have violated the consumer 's right to privacy.

15 USC 1681 sec. 602 A states the consumer has the right to privacy. 15 USC 1681 sec. 604 A sec 2 states that a consumer reporting agency can not furnish an account without the consumer 's written instructions. 15 USC 1681c. ( a ) states that : no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) 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 explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX on XX/XX/2017 I have tried numerous times to get this removed off my credit report but with no luck. I will take accountability for my own debts as records showed that I paid off all my debts recently in order to clean up my credit. This is one that does not belong to me. I'm the victim of identity thief. I have only discovered this at the end of last year while I was trying to clean up my credit.

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 2022-04-10
Company: DISCOVER BANK
State: NC
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:
I have an inquiry with discover on my XXXX report. I have disputed with XXXX and called discover and confirmed I don't have record of an inquiry in XXXX XXXXStill no one has took the next step to get this hard inquiry off of my report.

Company response to consumer: Closed with explanation