BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: Global Lending Services LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have been paying for this loan since XXXX I started at a certain amount and 4 years almost 5 yrs later im still having the same amount due for this loan. even on months im not late this company is reporting to the credit bureaus of me being late. I recently had the car repossessed during my stay in the Intensive care unit. I expressed that to them and they still disregarded that during XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i expressed that to them and still was demanding me to pay and threatening to put the bad marks on my credit and take possession of the vehicle. I should almost be done with paying the car but now it says 80 month contract i don't remember signing a 80 month contract with this company. I asked for a contract that i signed and have not had that produced to me. this company has ruined my credit with late payments even after i voiced to them and sent in documents showing i am late because i am in the XXXX XXXX XXXX XXXX. Each representative questioned and harassed me about payments when my health was not in a good condition to even work for money. I was even asked to ask friends and family for the money or get your car taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Sunlight Financial LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XXXX of 2021 an installment loan ( {$18000.00} ) was assigned to me for solar panels on a house that I purchased at that time. That loan has been paid up to date and in a timely fashion to XXXX XXXX c/o Sunlight Financial , LLC. Sunlight ran my credit report before transferring that loan but somehow has neglected to report that loan to credit agencies. Since then I've called their customer support several times this year to request that they report loan but that up to this date it has never been reported to credit agencies and they could never explain why -- all I ever get from them is that " it will show up soon ''. Its been more than a year. I have attached the latest statement they provided as proof of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

Under the the Family Education Privacy Act of 1974 States you are not allowed to report my income to any 3rd party or companies. This account should be removed immediately or I will be seeking damages under the law. 

the law also states that this item is over the credit statue of 7 years and it should not be reporting on 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
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: NY
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 investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX, account name : XXXX XXXX XXXX # XXXX account name : 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 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 2023-02-12
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent documents to Midland Credit Management telling them I don't owe the alleged debt and they keep harassing me by sending me letters in the mail and calling my phone saying I owe. I don't know what is going on right now. They keep saying I owe {$13000.00} and they are falsely reporting to the credit bureaus. XXXX and XXXX show {$13000.00}. I am so confused This corporation has violated the CFPA and FDCPA before. 

Midland Credit Management , IncXXXX ; and Asset Acceptance Capital Corp . The companies are headquartered in XXXX XXXX, California and together comprise the largest debt collector and debt buyer in the United States, with annual revenue exceeding {$1.00} billion and annual net income exceeding {$75.00} million. Encore and its subsidiaries are currently subject to a XXXX consent order with the Bureau based on the Bureaus previous findings that they violated the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act. The Bureau alleged that Encore and its subsidiaries have violated the terms of this consent order and again violated the FDCPA and CFPA. On XX/XX/XXXX, the court entered a stipulated final judgment and order that requires Encore and its subsidiaries to pay {$79000.00} in redress to consumers and a {$15.00} XXXX civil money penalty

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: NY
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:
Greetings to you ; Please be advised, that I XXXX XXXX have tried on multiple occasions to dispute the accuracy of this account being negatively reported on my credit reports with Experian ; This account in question has Been Closed and is in error reporting by Experian continuously. They are saying in replies that the " account was verified '', which is NOT TRUE ; it was Not verified and IS Inaccurately reporting. 

XXXX XXXX support services have been also notified and they have CLOSED this account after recognizing it was a Double reporting of the Same account! 

Therefore it must be removed according to Fair Credit Reporting Act. and 15 US.C Sec. 1681 ( a ) ; this account begining in ( XXXX ) was not verified for accuracy. 

It is not supposed to be reported by any agency. And Proof of its accuracy was NOT Determined nor sent to me as requested by Law.

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 2020-09-18
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My 2019 XXXX Property tax still not paid yet, despite of many attempts and complaints via phones and emails I did to PHH Mortgage Services. Right now I was approved for home modification, because I had a hard time to pay my mortgage. I did apply for Home Modifications and my lender approved it, and I passed the 3 months trials. 
My only concern why my property tax was not paid yet for XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my consumer report XXXX reports XXXX DEPT SOC. SVC. CHILD SUPPORT is inaccurate and incomplete. 
I sent a certified letter ( attached below ) for information pertaining to this account and I was told over the phone that this case has been is closed for a long period of time and there was no way of retrieving this information. I also called this office several times only to be told that this is not them reporting this info it is the credit agencies. That I should go to the court house and request my information from the courts even though this account has been closed for years. Also they have confirmed that my case has been closed for many years. The error on my report shows many discrepancies and there are no amounts to reflect any past payment history, such as late payments or missed payments etc. Attached is the latest info from XXXX about an horrible investigation never performed to verify a inaccurate reporting of information. Also attached is the Cert, Letter I sent to them.

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 2022-11-18
Company: EQUIFAX, INC.
State: SC
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 am requesting documentary proofs ( the hard copies ) providing Equifax my written permission or instructions to furnish the listed negative accounts on my consumer report, which are attached to this complaint. 

Please do not send any debt verification or validation, only provide me with a hard copy of my written permission or instructions ( my written proofs ) for the referenced accounts with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ever since my credit has been reported, it has been incorrect. I have attempted to fix it at various points in my life. However, the companies refuse to take any action. I have called, repeatedly, I have sent correspondence to confirm inaccuracies, repeatedly, but the companies continue to treat me as if I am lying about my own situations. My situations with the credit agencies has been heavily documented by myself and their agencies. I have a copy of each time I have attempted to repair inaccuracies on their part, but nothing has changed. The fact is, ever since I XXXX XXXX XXXX XXXX, the agencies have placed more and more obstacles in my way. Since the beginning, I wanted to use my XXXX XXXX to build wealth and fix problems. Once the debt collection community, business community, and others saw my tenacious spirit, they have done nothing more than heckle and make it even harder to reach my full potential. As I have stated in all of my other complaints, I refuse to let them continue to dictate the direction of my life now, and at any other point in my future. 

XXXX customer service is garbage. I've talked to other people of other ethnicities, other ages, etc. and I know, FOR A FACT, they do not treat all similarly situated individuals the same. For this, I am ashamed of their inability to follow through with the requirements of the FCRA. This is not, currently, a class action suit, but, I have enough know how, and backing to make it one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear, Transunion Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, 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 2020-09-18
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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
we got notification that we needed to change our address to a physical address. My wife contacted them about it and the person said they have our so we were good to go. About a week ago they closed out our account. Every since then we have gone into the Well Fargo branch by us and signed everything they wanted. We were told today that it was going to be another couple more days before they can do anything. We can not open another account or access the account at all. We are XXXX  and all our online banking is stopped. i don't know what will happen to or retirement payments because they are done on line. We can not pay bills and they keep putting us off. During all of the last few days their people we have talked to on the phone give us different stories. the account was first opened in 1970 With XXXX XXXX XXXX  XXXX Nevada they sold to XXXX XXXX XXXX  that sold to Well Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-11-05
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account SANTANDER CONSUMER USA XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that SANTANDER CONSUMER USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: PA
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 2017-07-06
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
All 3 credit report agencies would not allow me access to my credit report ( XXXX XXXX ) on XXXX XXXX  2017 because I could not match the " correct '' response to the credit lines opened under my SSN because they are fraudulent. I called the support agencies of all 3 companies and have not option for an actual human agent, and have to cycle through long drawn out automated systems that do not answer my concerns appropriately and place a burden on me that it not realistic in-terms of time and lost wages in opportunity cost. I would like this resolved as soon as possible with an actual person or written steps that will actually solve this issue in a reasonable amount of time. I am not sure why the burden is on the consumer who did nothing wrong.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: NY
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:
Experian is the only credit bureau that continues to violate my rights. I DO NOT have any late payments, CLOSED student loans accounts or other erroneous information on my report. As a New York resident, Experian has never showed me proof of late payments or debt. 15 U.S Code 1679c never removed the debt and has the wrong address for my residence. 

How can a fraudulent account be verified? 

No proof and no recourse for their actions.

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 2023-12-15
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I had a XXXX payment sent last week. It has still not cleared. The money left the others person 's account on monday and I have still not my money. Every time i call chase im sent to some XXXX XXXX XXXX  and get zero help. I am not sure why i do not have access to my money or why these customer service reps are so incompetent. I have called in many times trying to resolve this directly, but with no success. 

CHASE DO BETTER I AM XXXX AND THIS REALLY IS NOT OK TO DO. DO I NEED TO CONTACT ADA? WHY CANT I GET ANY GOOD CUSTOMER SERVICE? 

XXXX from the XXXX XXXX XXXX refused to transfer my call to the supervisor and mocked me when I mentioned that I was XXXX, then hung up on me. I encourage chase to pull the call and here this

Company response to consumer: Closed with explanation