BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: Global Lending Services LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I purchased a vehicle from a dealership the dealership sold me a car without having the title to the car. The Lending provider, which is GLS Global Lending Service, threatened me with a buyback due to not receiving the title for the car. The legal dept recommended that I retain an attorney because if they didn't receive the title soon, they would take back possession of the vehicle and cancel the loan. I spoke with them and the dealership, along with DMV, to rectify this issue. I even had to take the car back to the dealership in the middle of XXXX due to the temp tags and registration being expired on the car. The Lender still threatened with buyback practices but continued to expect me to pay for the car loan even though I no longer had the car in my possession. I just received my car back today and got the necessary registration completed on the car. However, I don't feel that I should be charged for the months that I didn't have the car, and I feel that the lender should have ceased all payment requirements on this vehicle until I received it again and until they received the title. It is not my fault the dealership sold me a car without a title, and it isn't my fault that the bank didn't do their diligence before paying for this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Bull City Financial Solutions, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted this companies regarding the debt that was for validation of debt. 

Bullcityfinancial I contacted this company on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 by mail via XXXX XXXX and XXXX. This company failed to validate my requests. The company have deleted the debt from XXXX but failed to delete the debt from XXXX  and XXXX I have threatened to pursue legal actions at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: CarMax, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I relocated to XXXX GA in XXXX. I alerted CarMax of all of my current and updated addresses as per our agreement. 

My vehicle was repossessed between XXXX and XX/XX/XXXX due to me losing my job and not being able to keep up with payments for 4 months. 

It is now XX/XX/XXXX and I have reached out to CarMax to take care and settle my account. The cover page from CarMax is addressed to a XXXX XXXX and not myself. 

I have now received " copies '' of CarMax 's intent to sell that was originally sent to an incorrect address on XX/XX/XXXX. This certified mailing has a status of : Returned to Original Sender. 
I did not receive this communication. 

I have now received a " copy '' of CarMax 's intent to sell dated XX/XX/XXXX via NON certified mailing. I did not receive this letter as it was sent to the incorrect address. 

I have now also received a " copy '' of CarMax 's alleged Calculation of Deficiency which has an exorbitant 95 % additional costs compared to the stated aggregate amount owed after deducting the proceeds of the sale. This notice also states that CarMax is charging additional " finance charge or interest '' that is being added to the balance. 

I did not receive any communication pertaining to the repossession of my vehicle, prior or immediately after its repossession. 

CarMax 's lack of attention to detail coupled with their lack of due diligence has hindered me from obtaining credit. 

During this time of COVID19 it is imperative that CarMax fixes their broken system to ensure that accurate information is referenced when dealing with their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, XXXX, and Equifax continues to report inaccurate information on my credit report for the account listed listed below. 

XXXX XXXX XXXX : Account number XXXX. 

I do not recognize nor understand the form of reporting of this account. This account has historically and continues to report inaccurate and inconsistent information to all 3 bureaus.

1. The company is fraudulently reporting last payment date of XXXX XXXX. Last payment was XX/XX/XXXX. 

2. The company has reported inconsistent payment statuses across all three bureaus.

3. The company has reported payments while the account is in charge off status. Last payment on XXXX shows as XXXX XXXX with a close date of XX/XX/XXXX. The company also shows " Times 30/60/90 days late 0/0/0 ''. On XXXX, the account was charged on XX/XX/XXXX. On Equifax, there is payment history. The account has been closed, reopened, and placed in 30,60, and 90 late statuses.

4. The company is reporting the account on my family 's credit report.

5. The company is reporting payment history to Equifax for the year XXXX, while also showing CO status on XXXX during the same time. The balance also continues to fluctuate. 
1. XXXX XXXX days late : Balance {$12000.00} 2. XXXX XXXX- 60 days late : Balance {$12000.00} 3. XXXX XXXX Closed : Balance {$12000.00} 4. XXXX XXXX Closed : Balance {$12000.00} 5. XXXX XXXX Closed : Balance {$9400.00} 6. XXXX XXXX Closed : Balance {$9400.00} 7. XXXX XXXX Closed : Balance {$9400.00} 8. XXXX XXXX days late : Balance {$9400.00} 9. XXXX XXXXClosed : Balance {$9400.00} 10. XX/XX/XXXX - Closed : Balance {$9400.00} 11. XX/XX/XXXX - 30 days late : Balance {$9400.00} I demand the account be removed from credit report immediately. I do not authorize the reporting of this tradeline. It has damaged my credit report since XXXX with its erroneous reporting. XXXX, Equifax, and XXXX have failed me as a consumer, and has not operated in good faith and according to FCR and FTC rules and regulations regarding accurate reporting of information. I have been disputing the accuracy of the reporting of this account for years, and the credit bureau does nothing to ensure accurate reporting. Instead accusing my disputes as being frivolous to avoid investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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:
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. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: MS
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 have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted Equifax to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. 
XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have made our application for refinance our mortgage application almost 4 months before at Wells Fargo since we took mortgage from them as first time home buyer back at XXXX, 2018. The interest rate was significantly high 4.625 when current rate for refinance interest came down below 3.25. 

We advised our mortgage broker to refinance our mortgage ASAP submitted all documents in first shot. Hence Wells Fargo representative kept on asking same document again and again and giving blame to each other for delay in processing. Now it become very frustrating since we have been waiting for 4 months for a closing date and Wells Fargo correspondent with us is not proposing any closing date. In the mean while we didnt applied for forbearance and that made WellsFargo comfortable enough to keep on charging us the Mortgage on previous interest rate in Corona pandemic. 

Their regulatory and compliance is not supporting us as their customer and making us complete victim in present financial crisis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX Balance : {$3800.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; 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 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 2022-04-16
Company: Experian Information Solutions Inc.
State: MA
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:
Dear Experian today is XX/XX/XXXX Case # XXXX I disputed by certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the public records bankruptcy with the case number XXXX, date filed XX/XX/XXXX, because you are reporting false information on my credit report because this bankruptcy does not belong to me, and it belongs to someone else so please delete or remove this bankruptcy. 
Also, when you responded to me with no explanation about the investigation results on the following dates XXXX, XX/XX/XXXX, and XX/XX/XXXX with the results : ( UPDATED NOT SPECIFIED ) so how did you verify this bankruptcy so please delete this false information on my credit report because you did not investigate or verified any of my disputes and you did not send me any proofs, so please delete or remove this bankruptcy immediately. 

Rule 9037 of the Federal Rules of Civil Procedure requires the redaction of specific personal identifiers ( i.e., social security and taxpayer identification numbers, names of minor children, dates of birth, and financial account numbers ), from any unsealed documents filed with the US Bankruptcy Court.

Please follow the rule 9037 or 11 U.S.C. 9037 - Privacy Protection for the US Bankruptcy court public records personal information.

After all, you can not have my name, my full social security number, or my full date of birth to verify public records, therefore I will be atta
ching my Social Security Card to verify my first and last name so please delete this bankruptcy.

I attached 8 supporting documents including my identification and the US postal service certified mail with the tracking number please check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have contacted Welfargo about a charge made on my account they decided to close the claim and thats not fair and I need to escalate the claim they dont want to i can loose all those money and the bank told me me the transaction was authorized by me over 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 2022-09-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2021-05-07
Company: HEAD MERCANTILE CO., INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I filed a previous complaint ( XXXX ) on XX/XX/2021 about deceitful tactics and abusive language by the representatives at The SOS Group. On XX/XX/2021 my complaint was marked closed and the response was that I would be contacted by the company. Later that day I did receive ( missed the initial call due to work, but played phone tag a bit ) a call from XXXX. He was kind enough but denied everything in my complaint. However the resolution offered was for me to update my initial complaint saying they resolved it and in turn, he would have the debt removed from my collections report ( which was a huge part of my initial complaint and he denied was ever promised ). I agreed simply because this absolutely destroyed my perfect credit which is another devastating blow after crippling medical debt. I updated my complaint praising XXXX in hopes he would stay true to his word. I received a call in XXXX that my automatic payment was declined for some reason and I needed to pay. I immediately did and called my bank after I got off the phone. They have no record of an attempted charge nor a declined payment. I cant think that this was an effort to prove I didnt follow through with my end of the agreement. 

It is now XX/XX/2021 and no effort has been made on the part of The SOS Group to follow through with their end of the agreement, the collections is still listed on my credit-the balance has decreased but it is still there. I am confident The SOS Group will again fail to admit their wrong doings and accuse me of lying. I am sure they will deny ever agreeing to this. I certainly would never have agreed to amend my review if this wasnt offered. Be aware when entering agreements with this group, they will absolutely lie and fail to live up to their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TX
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 kindly request the removal of all unauthorized credit inquiries from my credit report. 

XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX , XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion keeps on violating my rights to have accurate reporting on my account XXXX XXXX XXXX XXXX. 

On XX/XX/2022, I sent an 8-page letter to Transunion to address many incorrect reported items on my credit report. Many but not all were corrected. Please find attached a copy of the sent I sent via Certified Mail to Transunion. 

On XX/XX/2022, Transunion responded to my XX/XX/XXXX letter alleging that Transunion takes seriously the accuracy of my credit report. On Page 6 of the response letter, Transunion alleges that conducted an investigation and concluded that the XXXX XXXX XXXX XXXX XXXXXXXX account is " VERIFIED AS ACCURATE AND UPDATED ''. Please find attached a copy of the Transunion letter. 

After reviewing my credit report on XXXX, two days ago, I noticed that all three Bureaus have different information for the same account on the following categories : 1 ) High balances 2 ) Last verified 3 ) Date of last activity 4 ) Date Reported 5 ) Date Opened 6 ) Creditor Type 7 ) Account Status 8 ) Creditor Remarks 9 ) Last Payment 10 ) Term Length 11 ) Account type 12 ) Payment Frequency 13 ) Two-year payment history Please find enclosed a copy of my XXXX report where you can clearly verify my statements that all three Bureaus are reporting different information for the same account.

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