BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a copy of my credit report with the intention to improve my credit and take care of my responsibilities and noticed a few accounts that I want explanation on. I am not saying they are reporting right or wrong. I also read the fair credit reporting act where it says by law, that I have the right to challenge anything I deem to be inaccurate. 
Are you familiar with 15 U.S.C sec. 1681 ( a )? If proof cant be provided for any account they must be removed. I am asking for any erroneous accounts to be deleted, anything not 100 percent correct. I would appreciate a valid response and someone to respond within law and not statute. I was read in a lawyer forum on a credit website that a person has 30 days to complete this investigation. Please examine all account specimens and remove them if anything is missing or incorrect. 
I also read where I can get the updated report after you investigate this from the free lawyer forum. Could you please send it to me? Thank You and also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put in the from field.

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 2023-08-02
Company: FC HoldCo LLC
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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists.

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 2023-08-02
Company: Synovus Bank
State: PA
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:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original loan was with XXXX XXXX who sold it to Loan Care, and since then I have had nothing but problems. First, I have now and have always had insurance on the property. However, Loan Care placed lender insurance on the property because they said they didn't have all the insurance documents they needed even though I provided everything they requested and followed all of the steps they told me to take. 

At the same time, they placed an escrow account on my loan and raised my payments in order to cover their lender placed insurance. I have spent HOURS on the phone with them trying to resolve this and ave the escrow account removed, lender insurance removed, and my payment reduced back to normal. I was told they were handling it and to pay my normal payment which I did. But then I found out they sent me to their collection department because I didn't pay the full amount. In other words, the didn't " handle it '' and they continue not handling it despite my multiple attempts to get this resolved. Last Saturday I was on the phone with them for over 4 hours! I was transferred several times to different people and their phone system hung up on me 3 times. I also have letters from them stating the issue of insurance has been resolved. 

But it gets worse for me. They've ruined my credit. Now, when interest rates are very low, I am in the middle of trying to refinance 3 loans on 3 separate properties. When I checked my credit score over a week ago, it was XXXX. But, much to my surprise, my loan broker called me yesterday and my credit score was down in the 600 's! My credit has been ruined and I can't refinance my loans as a direct result of Loan Care 's negligence and completely inadequate and inept customer service. 

Again, none of this is my fault. I have always carried insurance and I've always paid on time. Loan Care should have NEVER placed insurance, NEVER added and escrow account, and NEVER sent me to collections. But, nevertheless, they did despite all of my conversations with them and despite their assurances that they were taking the necessary steps to resolve the issue, removing the escrow, etc. Now I'm paying the price, both in terms of my financial health and my emotional health. The stress they've caused me is unbelievable and totally unnecessary.

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 2023-08-02
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received multiple calls from XXXX number representing Radius Global Solutions. They are asking to speak to my family member who is a minor and doesn't have any credit cards or accounts. I mentioned that the family member is a minor and doesn't have any debts. They hung up at that time. Now I started getting calls again for the said family member. I already checked creditkarma.com to get XXXX report to see if there are any accounts in their names and there are none. 

I want these calls targeting minors to stop.

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 2022-02-13
Company: Experian Information Solutions Inc.
State: SC
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/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

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 2019-05-06
Company: Sunset Solutions Group, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
After repeated calls with no company name given ( between XX/XX/24 and XXXX ), I called to inquire as to the nature of their calls. 'XXXX XXXX said their name was XXXX XXXX XXXX and they were turning my debt over to the attorneys to file a lawsuit if I did not make arrangements that day. I requested written verification of the debt. She refused saying they didn't have to. When I advised that by law they do have to provide verification if requested she began to berate me saying I owed the debt and was going to be sued and possibly arrested. I hung up on her. She called again from a different number and immediately said " I'm sending this to the attorney 's now ''. I again hung up, drafted a letter requesting written verification and have sent it registered mail. This is was an abusive call and violates the law.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My complaint is with Wells Fargo Auto Loans. I have my auto loan with them, I haven't had any issues until now. I call them at least once a month to ask questions about my account and get payment amounts and then log in and make payments. I had not idea I had late fees. When you log in online it doesn't show you any late fees, it's just says the amount due is the regular payment amount, even when it gives you the amount to make it current. And when I call they never say you owe more than your payment amount, even when you ask them for the amount to bring it current, they purposes avoid making the late fees part of your past due amount so they just accumulate. It wasn't until I called in early XXXX that she said the past due amount is {$590.00} when my payment is {$330.00} and i was shocked and she said, that's your late fee. I said all of sudden I have an astronomical late fee for the first time? And she said no, it's been accumulating. I asked why I can't see that online and why when I call it's never been said. She said we have been having issues with the way we apply our fees. I asked the amount of the late fee and she gave me a total and said I could have a breakdown sent to me within hours. I asked for it and got it 3 days later, like they needed to create something to back up the fees they change my manipulating the way they speak a to their customers intentionally to mislead them and get them to pay the wrong amount and keep accumulating fees they don't make accessible. I feel completely mistreated and intentionally lied to and misled because of their unfair ways. She said there is nothing they can do except send me a breakdown and she apologized I was mislead and would forward it to the complaint department but they will say the same thing and nothing can be done. Don't XXXX  your language and be deceptive on purpose. When I asked what is past due why would that not include late fees? The late fees are like a completely separate account they don't mention and don't openly show you in hopes they can just keep collecting. I have heard bad things about Wells Fargo and I always said that they were great and I never have any problems, until now. It's unfair.

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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX and the credit bureaus are all committing fraud. They are reporting late payments for a car that they claim they have in their possession. XXXX XXXX and the credit bureaus are also claiming a repossession on my credit profile and are also reporting inaccurate late payments trying to portray to anyone viewing my credit that I have a car in my possession that I DO NOT have in my possession and this issue is causing me not to be able to obtain credit. Pursuant to GAAP ( generally accepted accounting principles ) XXXX have to prove the money left their account if they gave me a loan like they claim they did. Why wouldnt they be able to do that? Because they didnt loan me anything!!!! XXXX would also be committing fraud if I gave them credit and they got a loan in my name ( fraud ) all support document of these claims will be attached. When an organization gets a loan in your name then creates and furnishes a deceptive form to make you think that you got a loan its fraud. In reality the consumer on only come for credit. In all actuality the promissory note was for XXXX because they got the loan according to 12 usc1431 Also the credit bureaus took XXXX XXXX off my reports then added it back without notifying me within 5 business days. According to FCRA ( a ) section 5 ( b ) ii they have to notify me within 5 days. 

Also they should take court case : Court Case : Eaglehart vs Gravens 281sw715.819.1 inti consideration It is inaccurate for XXXX and the 3 credit bureaus ( trans union XXXX XXXX XXXX and XXXX  ) to keep reporting on my credit report if they claim in the comments that they sold the dept to another lender screenshot proof will be attached Not one law says anything has to be reported so this is proof that XXXX and the credit bureaus are voluntarily breaking the law by reporting inaccurately on my credit profile They also took it upon themselves to reage the account after reinserting it without me knowing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
We were so happy, my boys and I until wells farg said they would not modify my loan. They gave me loans, using our house as collateral. My boys and I were separated after they watched me put everything on tables for a rummage sale and filed bankruptcy. I remember me crying with my youngest son and his words " mom your our hero " he went to live with his Dad which didn't work and my oldest with a friend which resulted in a XXXX which didn't go well. I've felt like a failed for 15 years, living with my XXXX XXXX XXXX mother I still cry. Then on XXXX 2022 being alone I decided to fight fight for my Grandchildren, myself, my kids. 15 XXXXXXXX XXXX not being with my family. Sitting in she'd I built in my mother 's back yard. I won't settle for less then what I could have now if wells fargo would not have said NO! I didn't have the chance to pay my dept, now at XXXX I suffer with NOTHING!

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 2022-02-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello. I am the vicitim of online debit card fraud. On XXXX-2022, I noticed XXXX unrecognized charges on my checking account from " XXXX '' ( {$0.00} ), " XXXX XXXX XXXX '' ( {$200.00} ), and " XXXX XXXX XXXX XXXX XXXX CA '' ( {$230.00} ). I immediately reported the fraudulent charges to Chase Bank. Chase closed my debit card and sent me a new one. The XXXX charge disappeared, and I was refunded for the XXXX charge. However, my claim for the XXXX charge was rejected by Chase on XXXX-2022. I contacted Chase to dispute the rejection of the XXXX claim, and I was told that I need proof that I did not make the purchase. I was also told that the claim was rejected because the billing address used for the purchase matched the address Chase has on file for me. I did not make any of those purchases, and I have never conducted business with those companies. I reported the crime of the fraudulent bank debits to the Federal Trade Commission ( FTC ) on XXXX-2022. My FTC Report Number : XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Contacted representatives of the company via telephone and emails several times in XX/XX/XXXXand XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due toXX/XX/XXXX on my credit card accounts.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Okay here 's my complaint my original Wells Fargo account check it and service was open last year at that time you guys charge me fees non-sufficient fun fees and etc and I had not bought anything or use the account and then the money I did deposit that disappeared and then account ended up being close and when I tried to deposit more money that's how I became the knowledge that the account will close so I said well I'm open this account back up and I sent documents and everything proven who I was several times and you still denied me but you gave me no reason for your denial you gave me no reason why you close my account

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 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The website XXXX offers free credit reports every week from TransUnion, XXXX and XXXX. These 3 companies have blocked me from obtaining my free credit reports from this website and each time I try, they say : We are unable to process your request... please mail your request.. '' Please see the attached files. This has been happening for almost 2 years, that I am unable to obtain my reports from this website.

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 2023-03-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Nelnet, Inc.
State: NJ
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 provided nelnet with the documentation they needed to see that they lied to me on multiple occasions and they are still saying i never provided that information which I did. I provided their call history to them and that has the proof that they lied to me

Company response to consumer: Closed with explanation