BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had bought a vehicle from XXXX XXXX in XXXX of XXXX. Everything went fine and theuir were no issues at first. I received my policy documents and noticed that were thousands of dollars tacked onto the loan that I did not agree to or was aware of. So I reached out to the dealership responsible and had them send the money to XXXX XXXX for roughly {$4300.00} and XXXX XXXX informed me that it would push the payments I owed back so that I would not have to pay for awhile. 
Come XXXX of XXXX I had firgured I had several months left of no payment but they reached out telling me I was late. At this time I was confused and found out that XXXX XXXX had received payment but it did not lower the length of the loan- did not pay towards the front end- or my monthly payments. Several weeks calling XXXX XXXX and nobody could explain what happened to the money given to them. 
So I started the dispute process. During the dispute process XXXX XXXX told me that one option was to redo the loan with the lower loan balance due to them getting a payment from the dealership. I told them I would love to do that because I was experiencing financial hardships and the lower payment amount would help. They lost the call apparently and could not find any evidence that happened. 
Then I got a letter saying that it would eventually go into repossession status with no resolution to my claim. So I called trying to pay them several thousands of dollars to keep my loan and the XXXX XXXX representative told me that they would not accept any payment other than the entire {$32000.00} remaining on the loan. I told them I had notified them of financial hardship and did not have {$32000.00}. They would not accept any other solution and repossessed my vehicle while having an open dispute as of XXXX of XXXX. 
To summarize : They told me a dealership payment would go towards the front end of the loan and I would not owe for awhile and lied. It did nothing to help my loan as payments and lease term remained the same Told me we would be able to redo the loan with a lower loan amount to help me lower my payments and start fresh. Then " couldn't find the call '' Took the vehicle from my driveway during an active claim Refused to take payment from me so that I could resolve my vehicle being in future repossession status.

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 2017-12-07
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:
This is regarding creditor XXXX XXXX XXXX account # XXXX. Previously, the creditor claimed a charge of amount of {$6300.00}. As of XXXX-17 per email and phone conversation with an account representative with XXXX XXXX XXXX, the account balance has been updated to {$0.00} from the incorrect charge off amount of {$6300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CITIBANK, N.A.
State: NY
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:
Dear Sir, I'm writing in response to your letter dated XX/XX/XXXX that I received from the Consumer Finance Protection Bureau, a copy of which is enclosed for your reference. 

In your XX/XX/XXXX letter you claimed that the photo of my New York driver 's license matches your record of a Kansas driver 's licence that you have on file. Please provide me with a copy of that drivers license as I am certain that the loans were the product of fraud. 

Last time I ask for your document to prove that the loan belongs to me, you have sent over a foreign passport of a XXXX national ( the passport does not belong to me ). Also, please confirm for whether your records indicate that this loan belongs to a Kansas resident ( US citizen ) or a XXXX national. You also claimed that you have verified the Texas address is under my name and social security number, would you mind elaborate how you did that? I never lived in Texas. 

Second, the loan you send over, per your letter, has a first application signed on XX/XX/XXXX, which was approved. But the applicant 's name is XXXX XXXX, with phone number XXXX. That is not my name and not my phone number. The second application, dated XX/XX/XXXX, was under my name XXXX XXXX, with phone number XXXX, which is not my phone number either, according to you ( if I understand correctly ) was denied. Would you please clarify, why you are attempting to hold me responsible for loan applications under two, different names, one of which is not my name. 

To be clear, I believe that your files are either mixed up or I am a victim of identity theft. In addition to the Kansas drivers license requested above, kindly send me all promissory notes and loan applications. 


Thank you very much for your time. 

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 2018-02-20
Company: Experian Information Solutions Inc.
State: HI
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:
XXXX XXXX XXXXXXXX XXXX XXXX is my Commercial policy Insurance Company. On XX/XX/XXXX and XX/XX/XXXX I was rear ended and suffered severe debilitating injuries resulting in Loss Wages paid by XXXX XXXX XXXX XXXX XXXX  of {$2000.00} per month from XX/XX/XXXX to XX/XX/XXXX. Along with Personal Injury Protection Medical payments made by them to all my Medical providers. This company has in essence penalized me for these Accidents and has raised my Commercial Policy premiums from {$2500.00} per year to {$5900.00} per year for my XXXX XXXX policy. This is clearly based upon my filing of Bankruptcy in XXXX XXXX of Bankruptcy case # XXXX. 
I have filed several complaints with the Hawaii State Insurance Commissioner 's Office and have not received any justifiable results to correct the Over charging or the Injustice of being placed on the Joint Underwriters program. I should not be on this program and it is due in part to my credit rating that needs to be corrected with all credit rating bureau 's in the United States. The Bankruptcy Trustee has returned my cases a few months ago. But, I am still subjected to the same hardships, or difficulty with the legal system to pursue these matters, and receive fair and adequate settlements for injuries. So, I can move forward with my Surgeries and once again pursue my Businesses and Life per se. WILL FAX THE BANKRUPTCY COURT FINAL DECREE

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 2023-11-30
Company: Experian Information Solutions Inc.
State: DE
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-30
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

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 2023-02-09
Company: V and H Portfolio
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: Account status incorrect

Complaint:
There is too much unacquires on my credit report. Fraud from following companies 1. XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This Accounts/ Creditors as being reported has a CHARGE OFFs on my credit report. According to the guideline of Fair Debt Collection Practices Act, 15 USC. 1692 and as amended by adding following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) is USC. 1601 et seq.. they have violated rights a consumer, consumer being me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: American First Finance, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I wasn't shown any paperwork prior to getting the work done on my car. I was told that I would only have to pay $ XXXX. After the work was done, then I was shown the paperwork and forced to sign the contract or I would not have gotten my car from the repair service. I was told that I had the option of paying off the loan in 100 days, but if not that was fine. Never once until I saw the contract was I told my interest rate would be at 169.53 %! I would've never agreed to an interest rate that high. From everything I've read, the interest rate being charged is highly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez Mortgage Servicing Co. are not paying my county real estate taxes. I have been working with them all of XXXX and still do not have my taxes paid from XXXX XXXX. I understand this company has some serious problems with many other people. I have called them everyday starting on XX/XX/XXXX when I received my Delinquent tax bill. I faxed them 2 copies of the tax bill. My mortgage is paid up. They have taken my money for taxes, put it in an escrow account and not paid the taxes. Their associates don't know what to do, 90 % of the time. I have contracted them at least 30 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
These inquiries are fraudulent please investigate and remove from my reports ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-05
Company: AES/PHEAA
State: WA
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:
On my account through XXXX XXXX XXXX there is record of payments being made from XX/XX/XXXX on time every month through XX/XX/XXXX. On my credit report it continues to state that I have not made a payment. I have asked them to fix this and they are saying its past due which is not the case per the record of payments posted on my account summary on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: KY
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:
Since XXXX I was checking my credit report and start disputing hard inquires on my credit report. In XXXX i applied to work for XXXX XXXX, XXXX XXXX  and later them send it to me a letter when they explain to me that they have a XXXX on their system and my personal information was compromised. I report this to the credit report bureaus without any result. Today i found that Letter and i request the DELECTION or REMOVAL of this inquires on my credit report because doesn't belong to me, this was a fraudulent transaction using my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX, acct # XXXX, OPENDED XX/XX/2018 : I do not have an account with this company. I do not have ANY open collection accounts. I have never ratified a commitment to borrower funds of any type from this company, nor do I have an outstanding collection account with them. Did they buy a closed out debt that was resolved, that they're scamming me for additional funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received emails from Capital One concerning an account I do not have with them, as I have no accounts with them at all. One stated that my phone number had changed on the account, which, again, I have never opened. Another asked for my personal information ( ID cards, etc ) to finish processing the opening of the account. I will be calling them when they open direct phone lines, however this still needs to be reported as it shows a lack of security on Capital Ones part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} ( Original Creditor : ) XXXX Balance : {$520.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/XXXX I reached out to XXXX because TransUnion stated they verified this Acct. as accurate. I spoke with XXXX XXXX, Rep. and I asked her why are these Acct 's still reporting Negatively/derogatory. My recent report showed it was in Collections, but the Cares Act has placed ALL Student Loans on Pause. No Collections of any kind, no Negative Reporting until XX/XX/XXXX. I asked the Rep what was the first date of Delinquency and she replied XX/XX/XXXX, and stated that this was Acct. was SOLD & Repurchased again back in XX/XX/XXXX. So the original date placed with them was incorrect. I was never informed that this Acct was Bought and Sold. I asked her how was this possible. She informed me that I can Start a repayment plan now or wait until after the Cares Act expires. XXXX XXXX XXXX have removed this Acct. from my Credit File, and I am Demanding that XXXX Remove this negative reporting from my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am an XXXX XXXX XXXX XXXX currently serving overseas. I recently received a copy of my credit report. The credit report showed the CRAs XXXX, XXXX  and Experian are reporting inaccurate information on my credit profile, even after I have sent them thorough proof, that they are reporting inaccurate info. They have not investigated the accounts properly. All three bureaus are in violation of FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX ). 

I have sent a number of documents proving the following facts. 
I AM an XXXX XXXX XXXX CURRENTLY serving overseas Department of Defense Loan for XXXX has been paid off having a XXXX BALANCE since XX/XX/XXXX but they continue to report it as an unpaid collection XXXX XXXX XXXX is a {$900.00} debt that was created fraudulently. XXXX XXXX claims to have sold the debt, yet the company that the account was sold to REMOVED the account from 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