BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/XXXX I received a letter of apology and a cheque for {$4200.00} for wrongful repossession on XXXX XXXX, XXXX of my XXXX XXXX XXXX. This happened even though I made a payment arrangement that expired XXXX XXXX, XXXX. XXXX XXXX, XXXX I called the loan provider to explain to them that a portion of the money {$310.00} of the {$2300.00} I owed was taken by the bank. I reassured them that if they took what I had at the moment getting the rest won't be an issue. 

The lender refused to take anything less then the full amount I owed. When I woke up the next morning my vehicle was gone. Florida statute 537.012 governs the repossession of vehicles and the lender nor the recovery company abided by this law. They did not give me the opportunity to retrieve my belongings. In fact, XXXX XXXX XXXX XXXX attempted to charge me {$100.00} to retrieve my personal property : cell phone, pictures of my deceased mother, and a gaming laptop amidst other things. Needless to say I did not have {$100.00} because I only had what was left for me to pay the lender. 

Furthermore, my car was sold in less than 30 days after repossession. Despite the car being in excellent shape the lender sold it for less then it was worth. Then turned around and demanded I pay the remaining balance of my car loan even threatening me with litigation. This is a trend with wells fargo where they repossess the vehicle, sell it, and force the borrower to pay the remaining balance. This method triples the amount of profits for the lender but extorts the borrower.

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 2023-07-30
Company: Experian Information Solutions Inc.
State: NC
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 A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. 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 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 2022-04-19
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage has continued to lose my payments since XXXX or say that they did not receive them. I pay every two weeks and never been behind nor late. I have done everything that I suppose to do as of making my payments on time. I'm always getting lied too or told different stories. I have asked for my new payments for the month of XX/XX/XXXX and they are still refusing to give it to me. Stating that my escrow plays apart in this. And, I was never told that before. My mortgage went up because my insurance went up so since I changed insurance companies Freedom Mortgage still has not yet told me my new monthly payments. First, it was XX/XX/XXXX payment that was missing. Second, it is XXXX and XXXX 's payment missing. Third, there's a shortage in my escrow account. Nobody has been truthful at all. By, law I have the right to know what's my XXXX 's payment is. And, they already received my new insurance policy. And, they are refusing to give it to me because there waiting on a check from my old insurance company. Which, don't have nothing to do with me. I cancelled it and that's all I can do. There's no reason why I don't know what my new monthly payment is. And, one of there agency said that I received the check and I have not received nothing at all period. The sad part is that they have the money and acting as if they did not received it. Here 's a complete breakdown. XX/XX/XXXX 1st partial for XX/XX/XXXX. XX/XX/XXXX final payment for XX/XX/XXXX. XX/XX/XXXX XXXX partial payment for XXXX  XXXX. XX/XX/XXXX final payment for XX/XX/XXXX. XX/XX/XXXX 1st partial payment for XX/XX/XXXX. XXXX  XXXX, XXXX final payment for XX/XX/XXXX. XX/XX/XXXX 1st partial payment for XX/XX/XXXX. XX/XX/XXXX was my final payment for XX/XX/XXXX. And, XX/XX/XXXX will be my 1st partial payment for XX/XX/XXXX. I did a breakdown sent in bank statement and they still refusing to give me my XXXX 's payment..

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 2023-07-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I did not open these accounts please remove

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 2023-07-14
Company: Berlin-Wheeler, Inc. (Kansas)
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i checked my credit. And saw a collection. notice from BERLIN-WHEELER-KS View Account Details Account owner Individual Account Date reported XX/XX/2023 Account status Unpaid Original Creditor XXXX XXXX Date assigned XX/XX/2023 and i have no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: SECURITY FINANCE CORP
State: TX
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, Security Finance account has violated my rights. 
15 USC 1681 Section 602 A states I have a right to privacy. 
15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

On more than one occasion, I requested XXXX, XXXX, and XXXX research inaccurate information on my credit report regarding inaccurate information reported by Security Finance. I was advised on multiple occasions that the debt with Security Finance was verified as accurate. Security Finance furnished XXXX, XXXX, and XXXX my account information without my written instructions to do so. 

In addition, Security Finance has maintained inaccurate information on my credit report and knowingly misrepresented that inaccurate information as accurate. 

Security Finance reports different dates for the last reported payment date to the credit bureaus. It is impossible for that information to be accurate as the last payment date would have to be one consistent date in order for that date to be accurate. 

In addition, Security Finance reports different late payment information to the credit bureaus. One credit bureau has 30/60/90 day late payment information reported by Security Finance that is different from the 30/60/90 day late payment information reported by Security Finance to a different credit bureau. 

Security Finance has continually furnished my account to the investigating credit bureaus without my written instructions. Security Finance has, and is currently still, knowingly reporting false and inaccurate information on my credit report and misrepresenting that false information as accurate, despite my attempts to have the account removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and the companies involved responded. Some got deleted but there's a lot of fraudulent items that are still reporting on my credit report. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2022-04-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent Equifax a letter dated XX/XX/22 to request verification of debt and HIPAA authorization including the following : Per my rights under HIPAA, I requested : - Copy of my signature with XXXX XXXX to release my medical records. - Full documentation of what they received from XXXX XXXX in connection with the alleged debt. Per my rights under FCRA Section 609 ( a ) ( 1 ) ( A ), I requested the following : - The names and business addresses of each individual with the debt was verified for follow-up - The date the individual furnisher was contacted - The method the furnisher was contacted - The method used to verify the information - The original consumer contract with my signature on it. Equifax sent me an updated credit report stating the information was verified. I never received any type of verifiable proof of this debt or a consent form giving my HIPAA authorization from Equifax OR XXXXXXXX XXXX  ( furnisher ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I am in the process of trying to buy a home and my mortgage lender pulled a report that showed derogatory information from XXXX. This information had to have been recently put on my credit report because I have never seen this account nor am I familiar with this company. I reached out to this company on XX/XX/2022 and spoke with a man named XXXX. Once I gave him all of my information ( SSN, Date of Birth, etc. ) including the account number that was on my credit report associated with this account, he informed me that he could not find the account. 

He then stated that the account was associated with a different person AND different address but he could not disclose who it was. He then transferred me to their " specialized team ' and XXXX informed me that the name on the account was XXXX XXXX or something along those lines and she saw my name no where associated with the account number or their system. The time of this call was @ XXXX and I believe I was transferred to 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 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 has violated my rights! I have attached all the details in the letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: TN
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:
I am a victim of identity theft. I have sent the correct paperwork to the credit agencies in accordance with the FCRA. The FTC report is not being attached to the disputes and disputed properly. And I am not being given copies of the verification process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed account. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the account below : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: First Associates Loan Servicing LLC
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received two letters from XXXX XXXX XXXX. It states that the original creditor was XXXX XXXX, XXXX. and current creditor is XXXX XXXX XXXX. It states it was a student loan from when I attended XXXX XXXX XXXX and the amount of XXXX was given in XX/XX/XXXX another amount of XXXX was given XXXX of XXXX. Last payment received on XX/XX/XXXX. I called the company to dispute the validity of the accounts on the grounds that I signed no paperwork work when I attended XXXX XXXX XXXX in XXXX XXXX, Indiana to a XXXX XXXX, nor have I ever made a payment to them. When I attended XXXX XXXX, they forced me to get a loan from XXXX XXXX  in order to cover their temporary credit or I could no longer attend. The only bank that I know I signed for was XXXX XXXX. I never got any repayment letters and never knew anything about a XXXX XXXX. I inquired about the so called last payment that was supposedly made and was told that they did not have any further information about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was just surprised that Chase bank charged me XXXX XXXX XXXX overdraft fees of {$34.00} each when I checked my account online. This bank doesn't care about their customer and they only want the money. Charging fees whenever they want to. This is ridiculous! No consideration at all. 

Also they haven't fixed my previous issue about my credit card limit increase which is an unfair practice considering I've done everything they told me to be eligible for the increase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality Under 15 USC 1681. Companies below has violated my rights. 

Company Name : XXXX XXXX XXXX Account Number : XXXX Company Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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.

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 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 2023-07-30
Company: Experian Information Solutions Inc.
State: FL
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 sent a letter out XX/XX/XXXX to XXXX, XXXX XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine weather the disputed information is inaccurate and record the current status of disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 - day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller.

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 2022-04-20
Company: Experian Information Solutions Inc.
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: 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. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, XXXX  XXXX 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 a 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 explanation
Consumer complaint received 2021-09-22
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2023-07-30
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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 2023-07-14
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my citi bank checking account on XXXX in a branch, they offered me a bonus of {$200.00} for opening an account with them. I still havent recieved the funds for the bonus and I have completed the requirements to obtain the bonus they offered and they even inputed the bonus code on my account. Bonus is for {$200.00} in 90 days i have to make at leasts 2 direct deposita totaling {$1000.00} and more from the day the account was open, and i have made over 5 time {$1000.00} direct deposits in the last 3 months and I still havent recieved this bonus. Im demanding my bonus because they sold me a whole checking account and all this terms and bonuses for me to do business with them and they are not doing their part.

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