BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-26
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a drop in my credit score and found that this company COMMONWEALTH FINANCI added ( 2 ) New Debts to my credit report reflecting as an open dates of XX/XX/XXXX ( 2 mos ) and XX/XX/XXXX ( 11 mos ). I have not resided in the State of Florida for over 3 years. I have not visited a medical facility in Florida since moving. This can not be my debt based on the " OPEN '' dates of this debt. Statute of Limitations and FCRA limits the time a debt can be collected or reported based on the " OPEN '' date of an account. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: CA
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 writing to formally complain about the numerous unsuccessful attempts I have made to have fraudulent items removed from my credit report. The continued presence of these inaccuracies is causing severe distress and financial harm, and I am deeply dissatisfied with the lack of resolution. 

The fraudulent items that have appeared on my credit report are having a detrimental impact on my financial stability and creditworthiness. I first identified these discrepancies and have since made several efforts to rectify this situation through your organization. Regrettably, my attempts have been met with frustration and a lack of progress. 

I initially submitted a dispute request to have these fraudulent items removed, providing all the necessary documentation and evidence to demonstrate their inaccuracy. However, my dispute was denied without a clear explanation or thorough investigation. 

Determined to resolve this issue, I submitted a second dispute request, reiterating the evidence that these items are indeed fraudulent. To my disappointment, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. However, I have received no communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not stress enough the serious consequences these fraudulent items have on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and decisive action to correct this situation. I expect a thorough investigation into the legitimacy of these fraudulent items and, if found to be erroneous, their swift removal from my credit report. Furthermore, I request written documentation confirming the removal of these fraudulent items and their impact on my credit score. 

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to manage credit reporting accurately and fairly. Please assist me to removed the following fraudulent items : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
This loan from XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX was taken out on an original title and also a car title loan. Which places a memorandum title under my name in the license bureau and occured wrong for a tow and repossession about the possession of the car. The tow place XXXX XXXX XXXX towed it and the lien holder picked up which to my understanding was the lien holder who's name was in the memorandum title with my name also on there as the owner bought for about XXXX but the auto loan was XXXX at the car lot in the contract. I have lost my contract and the memorandum title the date of purchase was XX/XX/. And I do not have possession of the vehicle. Because it was towed and is now in the lien holders possession in XXXX Ohio credit acceptance is in Michigan. For some reason I was not contacted about the repossession of the vehicle or the tow. So what was weird is that they picked up from the tow yard and has the lien holder doing so. But the repossession was supposed to go to XXXX XXXX I denie both the purchase and the memorandum title for only having put a down payment down. The repossession took place only because of one missed payment. Harassment came from the county court. And I don't know what happened but they took a driver 's license completely off the record before it was supposed to expire. I haven't heard anything about the car the loan or the reason my driver 's license was replaced plus someone is in possession of it the XXXX loan seemed like a car title loan scam. And plus identity theft because they would have to replace tags and they have been in title places taking off cars with original titles and it repeats about a XXXX XXXXXXXX I had like that could have been my fault on all three. They have wipes out my county record and no record of the spark so it seems wired about the loan from XXXX Ohio where I bought the car from. An extension of picking the car up went under I understand partly it's paid for but the title loan isn't from credit acceptance. There is civil claim attached to this I lost for my payments back for being in the middle of this loan on a car already bought.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This collection agency Mandarich Law Group has misrepresented this matter on several levels from statement of being attorney 's, filing a claim fraudulently, garnishing wages on a settled/paid claim. I was first notified of this matter through my employer upon a garnishment notice. Upon receipt I contacted this company who stated they were attorney 's representing their client XXXX XXXX XXXX XXXX, who has acquired a debt from XXXX XXXX. They stated they a case was filed in court and that a judge had granted award. When I spoke with them in regards to the erroneous nature of the claim and that the court filing had been perjured as I had never been served any documentation by XXXX, XXXX XXXX XXXX nor Mandarin Law Group as it pertains to this case or it's validity. When the facts were presented we were offered a settlement, and for the sake of time we countered the offer and agreed upon a settlement as to not increase case load in the Superior court system. The agreed upon amount was paid on XX/XX/XXXX in the amount of {$7400.00}. At that time I requested that ALL garnishments be terminated and refunded, of which I was told that they would provide that information to employer, court and Sherriff civil department. On XX/XX/XXXX I notified the Mandarin Law Group that garnishments were not terminated as agreed upon and this was a breach of agreement. As I have upheld my portion of the agreement. They have misrepresented by claiming to be attorney 's and they are indeed a collection agency, when I requested to speak with the attorney assigned to the case it has never been one available to speak with me or contact me. When I addressed the perjury in this case there was no correspondence. The entire case is based on false claims and from a company ( XXXX ) that has thrived on predatory lending practices of which I plan on pursuing as this case had been paid sometime ago with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Multiple times I would keep getting a " technical difficulties '' message and could hardly work around their site. As a result, I was not allowed to make payments ( in addition to my auto-enrolled payments ) for weeks at a time. This impacts me in that I should have had lower principal being impacted by interest. By now it's a couple hundred dollars that I am behind due to their site issues. It is a complete joke to have  a website and have it have no capabilities. 

Additionally, their website is so poorly laid-out and managed that you will have no idea what your payments are and how they are being applied ( principal vs interest ). 

They have a secure message option on the website, but they are incapable of responding via email through this option - you will only receive auto-replies that include symbols making it appear as if this whole thing is a scam ( still not convinced it isn't at this point ). 

These auto-replies are only capable of saying TD Auto can not respond via email and you must call them ... which is a waste of time, unless you enjoy sitting on the phone for an hour to remedy absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2019-05-10
Company: EOS Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I got a letter from EOS CCA stating that XXXX XXXX had placed my account with them for collection because I owe {$30.00}. That if I wished to restore my service with them that I needed to pay. Normally I wouldnt have a problem with paying those {$30.00} but seeing as to how I contacted XXXX and they told me that my account wasnt under any suspension AT ALL. Plus a month before I thought I actually owed money but i has communicated with XXXX   and they said Id be charged the following month on XX/XX/2019. So why on earth am I getting a letter from a debt collector saying I OWE MONEY when XXXX themselves said I didnt owe anything at all and I dont have to pay till XX/XX/2019?! Makes 0 sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a bank wire transfer from an investor for my business of XXXX. I only had my account for a few weeks but when I opened the account they told me it was fine to receive the transfer. Yet they closed my account without notice and no explanation to why. I set all my business transactions with this bank and I cant get any info from no one! They only told me it will take 7-10 business days to close my account and 3-5 business days to send me a cashiers check! WTH is going on!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian credit bureau XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian 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 5 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 Experian 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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2023-01-16
Company: Experian Information Solutions Inc.
State: OH
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2020-12-24
Company: PLANET HOME LENDING, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my house in XX/XX/2020. My lender was XXXX. I received a payment voucher from Planet Home Lending in XXXX. I contacted XXXX to ask who I should pay. They informed me that they were still my lender and I made my XXXX mortgage payment to them. Planet Home Lending has been calling demanding XXXX payment as well. I spoke to XXXX XXXX yesterday and he was supposed to provide a copy of the goodbye letter from XXXX XXXX. He never called back or emailed me the letter. I suspect it doesnt exist since my lender said that they still owned my loan. I believe that Planet missed a step in the process to take over my loan. They have demanded that I pay them for XXXX when I have already made my payment to my original lender. 
Planet is bullying me and trying to make their mistake my problem. They have threatened to report this delinquent payment to the credit bureau. My XXXX payment was made on XX/XX/XXXX so I am definitely not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been a customer of Wells Fargo for 16 years. 2 of my loans are almost paid off. I have never been late with a payment, I have a credit card with them and a home line of credit. I am deeply disturbed by this business practice. I started the loan process with them in XXXX. I had a pre-approval letter for a house. We are 3 weeks away from closing, after putting money down and paying in advance for an appraisal that XXXX XXXX and XXXX XXXX don't accept short term rental income. I have had rental income for 9 years. I have asked that they contact other banks for less stringent methods. I detralmentally relied on this and have purchased almost {$2000.00} worth of funiture in my garage. {$4000.00} downpayment and almost {$700.00} to Wells Fargo. It was never mentioned that short term rentals are not the same as long term rentals and this was even an issue until TODAY, a short time from closing. I asked that smaller banks be contacted for their stance. which I was told that was above their salary grade. This is unacceptable. This should have been disclosed in the beginning that a short term rental income does not qualify the same as long term rental. If it is income it should not matter.

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 2023-11-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On Wednesday, XX/XX/2023, I discovered an issue with my newly opened Wells Fargo credit card. I had supplied all correct information, including my Social Security Number ( SSN ), during the application process, but I couldn't locate the card or its balance within my existing Wells Fargo account, which also includes a connected checking account. When I called Wells Fargo 's customer service for clarification, they informed me that the card had been incorrectly registered under a different SSN.

I was transferred to a specialist and had to wait on hold for several hours. The specialist confirmed that Wells Fargo had made an error and the card was indeed registered under a different SSN. They assured me that they would send a form within 10 business days, which I would need to fill out and return to correct the SSN associated with the card. 

As of today, Thursday, XX/XX/2023, I have not received the form that was promised. I am greatly concerned due to the potential implications for my credit history and the risk of identity theft or fraud caused by Wells Fargo 's error. The lack of prompt action to rectify this mistake further compounds my concerns.

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 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed 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 explanation