BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-17
Company: WELLS FARGO & COMPANY
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:
I have filed numerous complaints and until this is resolved I am going to continue before I engage an attorney. I need Wells Fargo and an outside party to go over the conversations starting in XX/XX/ when I first asked them about doing a home assistance program. I need them to LISTEN to the conversation that stated that my options at the end of the Assistance program is 1. pay the shortages at the end of the loan, 2. with a surcharge with the normal mortgage payment, 3. or in a lump sum. At the end of the assistance program, they advised me that I didn't qualify for this and my only option was 40 years. I kept asking why and they told me that isn't what I qualified for. I would have never done the program if the options were changed. I then am told that my hours being cut from XXXX to XXXX a week wasn't covid related, which I wasn't asked and it was. I then was told after my 1st complaint that they put me on 2 different programs that I was never aware of nor consented to then sold my mortgage to another company and continued to mark me late via the credit report. The calls need to be listened to entirely and I will not talk to a XXXX XXXX in their executive office who wouldn't let me speak and cut me off and raised her voice advising me that I don't need to be calling since I know I was wrong. She doesn't need to be in that office and I need a complete investigation done correctly

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 2023-03-22
Company: EQUIFAX, INC.
State: WI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On multiple separate occasions, I have sent documentation and notification to Trans Union advising that information that is displayed on my personal credit profile is inaccurate and multiple items are fraud/identity theft items. 

I have attached a copy of the letter sent to Trans Union confirming to the credit reporting agency details regarding the discrepancies listed on my personal credit report. 

I have also, recently forwarded a copy of my police report detailing the identity theft items for their reference. 

It is costing me certified postage charges each time that I send a document/dispute request to Trans Union as this is the only way that I can verify that they are receiving my disputes and to prevent mail tagging from occurring. In my dispute letters, I am enclosing a copy of my valid photo ID along with a current bill to verify that it is me that is making the requests. 

Although I am following the proper protocol, I am getting absolutely no where in resolution with Trans Union, the only response that XXXX continue to receive is that somehow they are verifying the information to belong to me, but my requests to show proof is going ignored which confirms that the correct verification process is not being followed, because if it was, they would have known that the items do not belong to me and that I am a victim of identity theft and the accounts are fraudulent.

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 2020-07-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My name is XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX NY, XXXX. This is in regards to American Express card # XXXX On XX/XX/2020, I purchased tickets to a XXXX basketball game from XXXX  using my American Express card for {$550.00}. The company sent me the wrong tickets and refused to exchange them. I contacted American Express and they sided with the company since the company has a policy of no refunds. American Express did not look into the nature of my complaint - i.e., I was sent the wrong tickets. 

The game was cancelled due to COVID and then the whole XX/XX/2020 XXXX  season was cancelled. XXXX offered me credit that is good until XX/XX/2020. Unfortunately, all arena events are cancelled in my area for XX/XX/2020due to COVID. I again submitted a dispute to American Express. They did not read the complaint and simply re-stated that the company does not issue refunds. 

XXXX XXXX have refunded all ticket holders for the XX/XX/2020year and XXXX  is keeping the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
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:
XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX, Date Open XX/XX/2023. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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: Problem with personal statement of dispute

Complaint:
By Letter dated XX/XX/XXXX, Consumer Loan Servicing Responded to my complaint to the CFPB. Consumer Loan Servicing was not factual in their response, nopr di they address the following : - There are two ( 2 ) seperate entries on my credit report. 

- The entry for XXXX Mortgage XXXX, which is clearly identified as a Conventional RE Mortgage. 

- The second entry, for Community Loan Servicing is hidden and falsely identified as Secured Individual Account. 

- Community Loan Servicing, did not legally exist until XXXX XXXX, XXXX. I have never done business with this enity, nor do I have any documentation saying that I did. 
Furthermore, XXXX Mortgage XXXX, did not change it's name until XX/XX/XXXX. 

First, How is it legally possible for a business that did not exist, until XX/XX/XXXX ; to submit an entry on my credit report dated XX/XX/XXXX. 

Second, how can a business that I have never done any business, have the legal right to make any entries on my credit report? 

I request that any entry on my credit report that has been made by Community Loan Servicing, be removed ASAP, and that only the proper information confirming my closed account with XXXX Mortgage servicing be allowed to remain! 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020, I placed an online order on XXXX using my discover card. Due to product quality and damage issues, I decided to return the entire order and received a label in my email from XXXX. I used this label to ship all of the merchandise back to XXXX and they refused to give me a refund. After discussing the problem with discover they started a claim and finally decided to not give me my refund either. They stated that XXXX provided them with a shipping tracking number that was different than the one i provided them and thus can not give me a refund. i provided them with document 1 with was a pdf copy of the email with the return instructions. document 2 is the attachment that was on that email which was supposed to be the shipping label. this was a label i used to return the product because that was the label that XXXX  gave me when i requested the return. Document 3 is a screenshot to prove that the label is from the same attachment that was on the email. I even tried to forward the email to discover but their claim system only accepts pdf submitted through their website. discover is not helping me and seems to be ignoring me after multiple claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report again, I discovered that a new account was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX Balance : {$670.00}

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 non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: GA
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:
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  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-01-06
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I changed phone service provider from XXXX to XXXX  on XX/XX/2022 and before transferring provider, the new provider has to call previous provider to end services, a process that was done successfully. XXXX months later I received a bill from XXXX of about {$530.00}. After getting XXXX mails, they reported me to a debt collector and filed a dispute and the debt collector did not move forward with collection. After a month, I received a letter from a different debt collector and filed a dispute and they promised to get back to me after XXXX. I also contacted XXXX by phone and went physicallly to their nearest store requesting a validation of the bill since their services were previously prepaid and there was no way I could owe them any debt. I did not get a response from XXXX and kept receiving threatening mails from XXXX XXXX services. I finally reached out to XXXX XXXX services by phone and a staff informed me that my matter was no longer with them but attorney and transferred my call to the attorney. I discussed my issue and she promised to communicate with XXXX to avail me validation receipt for use of services and up to date I haven't received any communication from them. Yesterday I got an alert from my bank about being reported to the credit Bureau by XXXX XXXX. Kindly help in this matter. I have worked hard to build my credit score and would not like a bill that I don't understand ruin it. Looking forward to your kind response. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My original loan was with XXXX XXXX as a private student loan. Sometime in XXXX it was sold to Firstmark Services a Nelnet company. I've made consistent on time payments to XXXX  XXXX and now Firstmark since XXXX. They now told me my XXXX payment due XX/XX/XXXX, I'm behind on my loan and it was reamortized raising my monthly payment. I've never had a loan where you are suddenly behind on the balance causing payments to balloon when it was set up as a fixed amount per month. Its a variable rate loan, but that has always adjusted slowly and I made the new payment shown on my statement. So I dont understand how I'm suddenly so far behind that they raise the payment {$35.00} per month. I suspect something shady is going on with this new servicer and I've never heard good things about nelnet. The customer service rep said this was normal despite me saying reamortizing a loan suddenly is not something my 50+loans in my life I've ever seen. She said there was nothing I could do, and nobody else I could talk to and they didn't have a complaint line or ombudsman. There was no notification or anything that this was happening until I received my statement a week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: NE
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 2023-01-06
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I attempted to get a loan for a car on XX/XX/22. They ran my credit when I went XXXX XXXX in XXXX MD to go purchase the vehicle, I was told that, in addition to my finance charges, I would be required to put a down payment. That is illegal per 12 USC 1605 b which prohibits additional fees outside of finance charges.

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 2021-12-23
Company: EQUIFAX, INC.
State: MI
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:
Was informed in XXXX that my account was listed as past due and delinquent by all three credit agencies such as XXXX, Equifax and XXXX. I Started disputes with all three companies and a month later my payment balance was updated to 0 but still showed as a negative impact on my credit report and showed delinquent/charge off status. I then submitted proof of car being paid off in XXXX to all three credit agencies and there has still been no update to report. Under research, I found out an account could only be listed as delinquent if it is more than 120 days past due. This account has never been past due and proof was provided of the payments being distributed to the account to show great payment history and no months of payment being missed. I have been reaching out to XXXX directly for months to not be able to get a department that could directly assist me or even provide any relief. This has caused my credit score to drop tremendously and show a negative impact. I have worked extremely hard to make sure my credit has stayed in good conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself. AWA COLLECTIONS is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section XXXX. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( AWA COLLECTIONS XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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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 2022-06-13
Company: Genesis FS Card Services, Inc.
State: NV
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 submitted application through XXXX XXXX and was advised that inquiry would be soft inquiry that would not affect my credit score ; however upon review of my XXXX credit report it appears as hard inquiry which resulted in drop of credit score.

Company response to consumer: Closed with explanation