BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a complaint in about Wells Fargo regarding an auto repossession from a month ago. I have contacted them and told the person investigating my issue was not available and would get back to me and no one has. If they are calling they are not leaving a message to call back and I work during the day.. They are extending the time to respond to the claim I submitted far past the time the car is scheduled to be auctioned. I have contacted the number I was given but have not heard from the repo company as to whereabouts of my vehicle and am not able to get my personal items back which is supposed to be accessible to me. This has gone on for a month. 

I requested help with payments multiple times due to COVID and my related job loss and decrease in income. I was not given the correct paperwork. I asked if I could XXXX and told yes but they were not sending me a XXXX document. After several attempts I needed to print and sign and mail and so now do not have access to that paperwork. I saw that the loan deferment I requested was not being applied so I ended up making a payment in XXXX and XXXX but my vehicle was STILL repossessed at the end of XXXX. What happened to the deferment and why would you repo someone clearly making attempts to pay or get help?? 

Additionally, I found parts of my vehicle in my driveway and reported that immediately to Wells Fargo. Since the tail light was knocked out and I am uncertain what other damage was done I will not be able to drive my vehicle home with that issue when I pay. I was not given any solutions for that. 

I have requested that I receive initial paperwork with a break down of what is on the loan ( car price and additional warranty services ) because I have not been provided these. Complaint Number XXXX was for the dealership who refuses to give me a refund or the services that were included in this loan and I can not get any information from Wells Fargo XXXX I called them about this because they approved the loan and would know what I was charged for. ( auto vs. additional services )

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 2021-01-11
Company: JPMORGAN CHASE & CO.
State: TX
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 multiple occasions I have notified these three ( 3 ) creditors of the severe impact of the COVID-19 pandemic on my business dating back to XXXX, 2020 and have asked for COVID- related assistance without success. Presently all three are reporting negative credit entries on my credit report which is preventing my business from accessing new credit in an effort to get my business back on track ( purchasing business equipment, rehiring employees ). I have not received federal stimulus funding and can not get the status of my SBA disaster loan funding application. 

( 1 ) Chase Bank Card Services - XXXX ; ( 2 ) XXXX XXXX  - XXXX XXXX XXXX XXXX and ( 3 ) XXXX XXXX XXXX - # XXXX which was charged off without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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: In progress
Consumer complaint received 2021-01-09
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:
On XX/XX/2020 I wrote this company and tried to disprove the issue with the company but he didnt respond him I had several account deleted from experience in XXXX XXXX that I would like these company to update a profile and correct any incorrect information and Im not, want to see any information without my signature on it verify any and all information verified I dont want to see any itemization data report from you guys company I would like to see the official document if you can not show me that then I willThe information to be deleted for my credit profile

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 2021-01-10
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: IL
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:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: In progress
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is a medical collection that is being reported illegally on my credit report. This is violating my privacy and HIPAA law. I would like for this account to be removed from my credit profile within thirty ( 30 ) days from today or you are opening yourself up for litigation. 

XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened on XX/XX/2023 2023

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 2023-07-13
Company: EQUIFAX, INC.
State: NM
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: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
Company: Sequium Asset Solutions, LLC
State: TX
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 a credit collection fromXX/XX/XXXX of the amount of {$310.00} it was reported from a collection company called sequium there phone number is XXXX they never answer the phone same as att Ive been on the line for more than hour to get details on this charge that has never came to my attention or been contacted about I cant get it resolved the last account I had with them has been paid in full and closed with all equipment returned

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows and is not mine XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$7700.00} XXXX {$7700.00} XXXX - {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX  {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX XXXX XXXX my father is XXXX XXXX XXXX. XXXX, Equifax and XXXX have continued to combine my credit file with my fathers and continue to allow creditors to continue making derogatory reports DESPITE being noticed under Section 609 of The Fair Credit Reporting Act. Please see additional notice under Section 609 FCRA, which requires creditors to provide specific information such as written authorization to obtain credit information about me, contracts or agreements related to the alleged debt. Although previously noticed under Section 609 FCRA, XXXX, Equifax and XXXX have not required the creditors named in the attached letter to adhere to the specific requirements under Section 609 FCRA and have allowed the derogatory items to remain in my credit file despite being in continued violation of Section 609 FCRA. The creditors can not provide this information because I did not open accounts with any of these creditors. Failure to provide the specific information under Section 609 FCRA REQUIRES XXXX, Equifax and XXXX to de, set the specific items listed in my dispute under 609 FCRA. As of the submission of this complaint the items specified in the attached letter remain on my credit file. These items must be removed immediately for the violations under Section 609 FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: NY
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:
I am writing to formally dispute and request the correction of inaccurate late payment information that has been reported on my credit report. I have carefully reviewed my credit report from your bureau, and I have identified discrepancies regarding late payments that do not accurately reflect my credit history. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. 

Please provide a written response acknowledging the receipt of this dispute within 30 days, as stipulated by the FCRA. Additionally, I request that you inform me of the results of your investigation and any actions taken to correct the inaccuracies on my credit report. 

I appreciate your prompt attention to this matter and your commitment to maintaining the accuracy of consumer credit reports. If you require any further information or documentation, please do not hesitate to contact 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 2022-03-01
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from debt collector Transworld Systems , Inc for an invoice ( XXXX ) issued by XXXX XXXX XXXX XXXX for the amount of {$180.00}. After talking to both debt collector and XXXX I'm able to get original invoice which is not billed to me but to XXXX INTERNAL SORT ID ( for {$160.00} ), a company that refused to pay the bill. Since I'm the receipient of the service ( a package ) they are now trying to collect their debt from me. But I never received any request for payment from XXXX. When I try to pay the original invoice that XXXXXXXX XXXX XXXX XXXX refused to pay, XXXX doesn't accept payment because it has been sent to collections agency. When I try to pay Transworld Systems , Inc they don't accept the original amount because they want to collect their fee. So far I have refused to pay anything other than the original amount. First I'm not the party with the debt, second I've never given a chance to cover the bill. I'm willing to pay XXXX expenses for the service, but not give any profit to any other company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: TD BANK US HOLDING COMPANY
State: NJ
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 XXXX of 2021, I noticed that there were multiple inquiries made to loan companies displaying on my XXXX XXXX. Then I realized that a personal loan for {$630.00} was made on my behalf under TD Bank. I contacted the bank multiple times only to be told minimal information and that I would need to complete an affidavit that would be emailed to me. 10 days later, I hadn't received the affidavit ; therefore, I reached out via telephone to the company again. I filed a dispute with TD bank and XXXX. I made a police report and completed the affidavit with potential suspects whom could have stolen my identity, to which I emailed TD BANKS fraud department, that can only be reached via email. I asked for help and information and they brushed me off and told me to contact their customer service team, who can not and does not handle fraudulent accounts. I was able to find out which exercise equipment company the loan was used for and contacted them, only to discover that my estranged brother got hold of my SSN and purchased his girlfriend an exercise bike using my SSN to obtain a loan. He had the bike delivered to my mothers house, where I reside, and then had my mom drop off the bike at his girlfriends house as an " early Christmas present. '' I have repeatedly explained this to TD Bank and XXXX  and the delinquent account remains on my credit report, diminishing my credit score 200 points. What once was a XXXX credit score is currently a XXXX credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: National Credit Adjusters, LLC
State: TN
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:
5TH REQUEST PLEASE SEE ATTACHED FTC REPOERT. IVE NEVER DONE BUSINESS WITH NCA OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPAMANY. THIS ACCOUT IS FRAUDULENT AND NEEDS TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: I.C. System, 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:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was 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 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 2022-01-28
Company: AES/PHEAA
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:
I have been part of the Temporary Extended Public Student Loan Forgiveness program since early 2019. I made income driven payments, which I was told would get me to where I needed to be in order to be forgiven. I called dozens of times, and spoke to people to make sure I was doing what was required. I am now in a place where I should be forgiven. However, the servicer is claiming that they do not recognize the EIN of my employer- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I submitted the number, and they rejected it. They asked for my W2, which I sent. They are still rejecting the number, which is disingenuous. They were accepting my employment certifications for over two years, and calculating my payments. My certifications had the same EIN. Not sure what else to do, since there does not appear to be a live person to help me. I'VE CALLED OVER 35 TIMES over the last 2+ years to make sure I was doing everything correctly. 

I have called FedLoans/XXXX, Studentaid.gov, and have gone round and round. Each person refers me to another person. I've filed an ombudsman complaint, a complaint with studentaid.gov, and a complaint with the FTC. No word back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was late making a payment over 6 years ago on my Chase Freedom card. My APR was 14 %, with a 6 month penalty APR of over 28 %. They never reduced the penalty APR, and continued to charge me the penalty APR until today. There are thousands of dollars I overpaid them in interest over the past 6+ years. My interest rate is still over 28 %, when I called them about it, they refused to do anything. Since it is my oldest card, i asked them to reduce the credit line to {$500.00}. They were willing to do that. Doesnt change thay I overpaid thousands of dollars in interest.

Company response to consumer: Closed with non-monetary relief