BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: NC
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 a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX OF XXXX XXXX Balance : {$38000.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$9800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX OF XXXX XXXX Balance : {$33000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX HOPE MILLS ) XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-01-06
Company: WELLS FARGO & COMPANY
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I reached out to the company and asked if I can speak to the guy that sold the car to me come to find out the guy was fired because of fraudulent which what happened was I was not supposed to be the owner of that car so whatever information he sent to me was not the information that I was supposed to get which meaning the information that was supposed to give to me was only supposed to be me being a co-signer but with that being said everything was done over the phone and it was something that he did to release that car and I try and reach out they said that they fired him so I feel like I am not responsible for this car they had already came and got the car I reached out to them for them to come and get the car they sold that car far however much they want to sell it for and now they put it back on my credit so I've been trying to dispute this off my credit because I am not responsible for this and I've been disputing this for the last couple years can you please dispute this off my credit 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 2023-01-23
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: NJ
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:
I have been affected by XXXX XXXX XXXX and was on Forbearance. I have agreed to sign a partial claim with XXXXXXXX XXXX and I am supposed to resume making monthly payments from XX/XX/2022 onwards, however, XXXXXXXX XXXX reported that I am past due by 30 days to Experian/ XXXX XXXX XXXX It is a violation of the CARES ACT as mandated by both the Federal and State governments of the United States. This wrong information has tanked my Credit Score by XXXXpoints. 

I have filed a dispute with Experian, however, they have marked my Dispute as " Completed '' even after submitting all supporting documents. They have not taken requisite action nor they have validated the documents that were submitted.

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 2020-12-14
Company: AMERIFIRST FINANCIAL, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
AmeriFirst finical XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX To whom it may concern, I am writing this letter as a formal demand for reimbursement of my losses due to poor management of our transaction due to the following reasons our transaction did not close nor did it get handled appropriately Lack of communication After sever emails calls and attempts by my realtor it took him calling another branch to get a response We have several reviews of your company that say the exact same thing Refused to answer simple questions in regards to the transaction Failure to properly timely process paperwork and a response. 
Paperwork was not done in a timely matter causing the transaction to go past the close of escrow date still with no response After many attempts by my Realtor to contact XXXX XXXX and ask when the file should go to underwriting or quality control, we never got a response until after scheduled close of escrow date These are just a few reasons this transaction was poorly managed and why the transaction failed to close or failed to give us proper notice it would not close. I had moved into an apartment from the understanding that your employee would do her job. I waited until after inspection and appraisal my Realtor had contacted XXXX XXXX and asked if she sees any issues with the file and she assured him she does not My expenses are as followed Moving company- {$3500.00} Apartment - {$3200.00} Mortgage payment- {$1400.00} Misc. ( late fees, Interest, additional expenses ) - {$3500.00} In the event you need a breakdown or proof of fees I will be glad to provide Please send the Check or response to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZXXXX  Due to the poor management of your buyers file it has put my family into a finical hardship. If this is not handled appropriately and timely I will file a formal complaint with the NMLS and state. As well as a claim suit Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: ULRS, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I signed a contract on behalf on my company to engage a collection agency to go after debts that are owed to our company. They send over an outrageous bill to our company for debts that they were not able to collection. They are now threatening to go after me personally and have made numerous threats to destroy my good credit if i do not pay them. They are claiming that I personally guaranteed the contract because I inadvertently signed the agreement with the caption as personal guarantor. There is no agreement or consideration for me to be a personal guarantor of this false claim. 

The owner of the company uses a fake alias and has made XXXX-XXXX  remarks and threats to me and my partner. He has threatened to sue me personally and has disclosed private information about me to show that he has access to my personal and private information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX : Debt buyer- XXXX XXXX XXXX & XXXX Date opened : XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. XXXX allegedly bought my debt from XXXX XXXX XXXX, or they represent ( or work with ) XXXX  for communications purposes. I have never banked with or made an account with this XXXX  or XXXX XXXX XXXX. Both have harassed me to pay debt they couldnt verify. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U-verse Date opened- XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. Original creditor was internet service charging me for allegedly not returning their equipment. I walked into one of their multiple retail locations around the U.S. to return their equipment after I changed to a different provider. Although I wasnt given a receipt for returning their equipment, I was assured, in person, that my account was resolved once I made the return. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. 



All in all, none of these collections companies have failed to verify my debts, contracts with my original signatures, or my current address and the original creditors never received my consent to sell of my information to the collection companies.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XX/XX/2023 In my complaint today I am addressing ongoing incorrect information on my credit report. I operate a XXXX XXXX and accurate credit reporting is all I am asking for to be corrected. My charity works with veterans on suicide prevention and we rescue wild mustang horses and re-purpose them. 
I am asking for the CFPB to look into the history of not only me but others as there are numerous complaints similar to mine. I feel after my discussion including showing up at the office headquarters in XXXX XXXX NV I am be retaliated against. I am just not sure of why? 
I am attaching screenshots and multiple proofs including multiple contacts with XXXX XXXX including in person visit please compare my photos attached at their headquarters. I am also attaching screenshots from XXXX XXXX own app and my bank account. I am now being purposely targeted for a discussion that became heated with one of their customer service agents. So they are going out of their way to punish me. I am looking for resolution by either deleting ALL late payments or deleting the account entirely as acceptable. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

Please refer to the attachments which show : Statements from XXXX which is where I pay the account From XXXX XXXX phone app Photos from XXXX XXXX headquarters Letters and proof of multiple attempts to correct this Multiple IDs verifying my identity I am begging for help. I understand we live in a politically charged world. I am just trying to help our veteran community which is not popular but I am asking for reasonable solutions. 

Respectfully, 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 non-monetary relief
Consumer complaint received 2023-11-07
Company: OLIPHANT FINANCIAL, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: EQUIFAX, 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:
On XX/XX/2020 I notified the credit bureaus of my identity theft problem. It has been over 90 days and they have not conducted an investigation. There is no way the fradulent account could still be reporting on my credit report. I was always under the impression that the credit bureaus have 30 days to complete their investigation. According to 611 ( a ) if they bureaus do not conduct a proper investigation within 30 days the accounts are supposed to be deleted. This is definetly my case since the credit bureaus have been ignoring my disputes. At this point all the accounts in my FTC report should be deleted. Me being a victim of the Equifax data breach does not make things any better. My information could be in the hands of lord knows who.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: OneMain Finance Corporation
State: NC
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:
In XX/XX/2020 ONE MAIN added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, ONE MAIN has violated my rights as a consumer And Im requesting legal action to remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: NJ
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the Equifax data breach and this may be the way my information got into the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2022-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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: Card was charged for something you did not purchase with the card

Complaint:
I received an email from Capital One, checking on a duplicate charge. 
I called the number from the back of my credit card, but I switched the digits, and was connected to someone pretending to be Capital One. 
The number I wanted to dial was XXXX, but when I re-checked it, I had pulled part of the international number from the back of the card. I dialed XXXX instead. ( the XXXX  number on the back of my card is XXXX ) At XXXX, XXXX answered, and told me that the call was being recorded, and suggested a new number XXXX to use in the future. I did not like that answer, and began to be suspicious, but continued to confirm my card information. 
I then hung up on him. But shortly after that, I also received another email from Capital One checking if I had made a purchase. I had not. So I called XXXX at XXXX and spoke with XXXX XXXX She told me that she couldn't do anything right now because their systems are down. I was to call again later. 
I just called again and this time spoke to XXXX at XXXX in the Fraud dept for Capital One. I have told this same story, and asked to cancel this card immediately and please to reissue a new card because I think that I compromised this account. He agreed, and has begun this process. 

I wanted to report the XXXX phone number as fraudulent and hope that you could address this for others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: WLCC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received an email from someone named XXXX XXXX on XXXX : the email claimed to have been sent from a bank of America " resolution XXXX ''. The email stated that bank of America had received my CFPB complaint aand it instructed me to call a number, because they needed to verify that I submitted the complaint to the CFPB. The email said BANK OF AMERICA COULD HELP me resolve the claim, but I needed to speak to them via phone first. 

I called the number and extension on the email multiplee times on XXXX and left multiple voicemails. I even called the BOA customer service number and none of the representatives were able to connect me with XXXX XXXX or another resolution XXXX regarding the email sent to me. ***I will attach screenshots of SOME OF the times. I called XXXX XXXX, BOA, AND SCREENSHOTS OF ME TRYING TO CONTACT XXXX XXXX VIA XXXX. 

XXXX XXXX NEVER RESPONDED BACK TO ME. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- - I received a similar email from another resolution XXXX claiming to be from BOA on XXXX REGARDING MY NEEW CFPB COMPLAINT. I called his number and I left him multiple voicemails today. 

It seems to be that boa has the resolution XXXX  send me emails regarding my CFPB complaints and in the emails they send me it clearly states they need to speak to me via phone in order for them to assist me with my CFPB complaint. So far they have a pattern. A pattern to give a phone number and extension to call and they don't. Answer or respond to my voicemails. 

Since they don't make voice contact with me they don't help me with my CFPB claiim

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