BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland credit is attempting to collect that on an account. Thats over eight years old. They tried in XXXX XXXX XXXX and garnish my wages which was cancelled and my wages returned. Now they have attempted in XXXX XXXX XXXX to garnish my checking account. They first started in XXXX XXXX and this account is through XXXX XXXX XXXX I get numerous calls daily from different numbers and its stressing me out not sure what to do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NC
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:
The following inquiries have been exposed in several data breaches and I have not applied for nor benefit from the following credit inquiries. I have unauthorized inquires that are not tied to any open accounts which should be deleted immediately. If not you are violating 15 U.S. Code 5 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I sent you a letter on XX/XX/2022. I never received any response from you in the 30-day period they had to investigate. This is a violation of 15 USC 1681I ( a ) ( XXXX ) ( a ).

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 2018-09-12
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Payments are being misalocated. I am on a fixed rate to pay off my loans in 20 years, and somehow my loan balances are increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: WELLS FARGO & COMPANY
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX someone was able to access our online banking through Wells Fargo, maxing out our company credit card with two large cash advances ( the car had a balance of XXXX prior to this event. ) They transferred money between our other business accounts, and make a fraudulent wire transfer to a stranger ultimately totaling a loss of {$24000.00}. 

We caught the fraud almost immediately, and reported it to Wells Fargo within 3 hours. Wells Fargo stated they would work to recall the transfer, and told us to wait 10 business days for a result. This was an agonizing period of uncertainty for us, and we were startled by the callousness and defensiveness of Wells Fargo, and their inability to provide us with any additional information. At approximately 10 business days, we received an unsigned form letter stating that our claim had been denied. 

It's estimated that we've spent approximately XXXX in the ensuing weeks attempting to rectify this situation, and reach someone at Wells Fargo who could give us more information and advise what other steps could be taken. ( See attached documentation of our communication. ) We feel like we were constantly being transferred within the call center, and not able to provide any information or gain a better understanding of what happened. From the best of our understanding, Wells Fargo maintains that the transfer was verified from one our our devices, therefore absolving them of all responsibility. We believe the fraud occurred when someone impersonating a Wells Fargo employee contacted us to report fraudulent activity on our account. Our communication with this " employee '' appeared to be in line with any and all previous communication we have had with Wells Fargo. We did not provide them with any sensitive information such as passwords or usernames, or any thing close enough to give them access to our account, but did read back a verification number at one point, which again seemed to be in line with previous communication. There has to be a more clear process for verifying such a large amount of money being sent from our account. 

Currently, Wells Fargo is holding us responsible for {$24000.00}, and in addition is adding finance charges and cash advance fees to our now maxed out credit card, which is now putting us over the limit, with a statement due. We are now concerned about the impact to our good credit that we've worked hard to maintain.

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 monetary relief
Consumer complaint received 2021-04-01
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THEY CALL ME ON MANY OCCASION WITH MANY DIFERENT NUMBER EVEN USING SPAM THEY KEEP CALLING ME THIS ACC WAS CLOSE CHARGE OFF SINCE 2015. THEY ALSO CALL ME AGAIN I TOLD THEM WITH COVID 19 DONT HAVE NO MONEY STOP HARRSING ME OR CALLING ME. THIS WAS A SETTLED AND THE ACC WAS CLOSE CLOSE THIS ACCOUNT ALSO MY INFORAMTION WAS SHARE WITH OTHER COMPANY NEEDTO RESPECT MY PRIVASY HIPPA 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 2023-11-19
Company: FinCo Services Inc DBA Current
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
With me being a current victim of Identity Theft/ Fraud and populating the required reports to support my dispute claim. A denial and termination of membership with Financial Institutions was immediately enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: OK
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 have disputed XXXX XXXX inquiries that appears on my credit that I did not do. The credit agency says they are accurate or they can not remove these from my credit file. I explained to them that I did not give permission for any of these inquiries from XXXX XXXX. I have no idea who they are or why they have continually retrieved my credit file. This is fraud! PLEASE DELETE ALL XXXX XXXX INQUIRIES PERMANENTLY FROM MY CREDIT FILE. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: AZ
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:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2021-01-21
Company: CREDIT ACCEPTANCE CORPORATION
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 status incorrect

Complaint:
Credit Acceptance agreed to report the CURRENT status of my account when I notified them that I loss my job due to COVID and would need to make payment adjustments. The representative from Credit Acceptance then told me that they were offering a service in which would help people affected from the global pandemic : they would not report negative data to the credit bureaus such as late payments, etc. Instead, they would mark your credit report as " natural disaster '', thus protecting your account from any damage. Since then, Credit Acceptance has NOT accurately reported the status of my account when I notified them that I needed to adjust payments. They are incorrectly reporting that I was 60 days late. I notified them in XX/XX/XXXX and before XX/XX/XXXX, I had not missed a payment. I still paid after notifying them. Despite losing my job, I was able to pay off $ XXXX worth of car debt on XX/XX/XXXX, thus paying the loan in full and closing my account. By XX/XX/XXXX, Credit Acceptance begin reporting to the credit bureaus that I was 60 days late on payments and that my account was still being affected by natural disaster. It is now XX/XX/XXXX, I have called and sent several disputes. Through my efforts, several credit bureaus removed the remarks added by Credit Acceptance, those remarks being : " 60 days late '' and " natural disaster ''. 
Yet Credit Acceptance keeps adding the remarks, even though I've had them removed. 
Please help me! Credit Acceptance 's actions has managed to drop my credit score 60+ points despite me paying off the loan in full, closing the account, being affected by COVID - yet protected by a category labeled as " natural disaster '' and me reporting to Credit Acceptance at the time when my account was in good standing.

Credit Acceptance refuses to remove the remark they added, I have tried everything.

Every time I have the remark removed, Credit Acceptance adds it back, despite my account being closed and paid in full nearly a year ago.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Notice To Cease and Desist This is a notification in writing to inform TransUnion to cease and desist all defaming I am XXXX XXXX XXXX XXXX XXXX XXXX veteran, I recently completed my XXXX XXXX. I am not only a veteran I am a 100 % Permanent & Totally XXXX Veteran and I have spent my life building a positive reputation in my travel across the world representing our country. Nevertheless, whether knowingly or unknowingly you have been spreading information that is damaging to my personal and professional character. 

Under the law, it is unlawful for a person to make statements that intend to harm a persons reputation without factual evidence or based on hearsay. 

The Defamatory information being published include, but is not limited to, derogatory information in the following accounts found Accounts with Adverse Information : Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As I stated I am a XXXX vet and I have a hard time maneuvering in this world physically and mentally due to my injuries. Your reports are carrying my injury luck over to my reputation. I am unable to obtain adequate housing or transportation. The reports have led to higher interest rates and payments. This strained my family and led to my divorce because of the financial burden. Now my children must grow up in a broken home. 

If you do not cease reporting all adverse information related to these accounts a deformation of character lawsuit will be commenced against you. 

In addition, this shall serve as a pre-suit letter demanding that you provide us written assurance within 30 days that you will cease and desist from reporting further adverse information. 

If you do not comply with this cease-and-desist letter within the aforementioned period then a lawsuit may be filed in the proper jurisdiction seeking monetary damages as well as pursuing all available legal remedies for your defamation.

Send all correspondences through the CFPB Consumer Financial Protection Bureau.

This Crease and Desist notification shall be complete upon receipt.

I am a child of the Most High, called XXXX XXXX, I do not have legal representation. 

Sincerely, 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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have an account reporting to my Transunion Account that I do not recognize nor did I give permission for this account to be reported to my consumer report. This is the second notice that I have given to Transunion about the unauthorized reporting of XXXX XXXX XXXX to my consumer report. Under the law 15 USC Code 1681B Transunion is not allowed to report anything to my consumer report with my consent. I have not to date given Transunion or XXXX XXXX XXXX any verbal consent or written consent to report this account to my consumer report. As a violation I am filing my second report about this to the CFPB as well as to the XXXX with legal action to follow for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]

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 2021-01-21
Company: Monterey Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have carefully reviewed my credit report and notice there were some accounts that are not mined, inaccurate, and will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following accounts in dispute are listed below : Here are the inaccurate accounts : XXXX  # XXXX, Monterey Collection Services # XXXX. 
I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Unknown inquiries : XXXX XXXX XXXX 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 2018-04-22
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: Problem with personal statement of dispute

Complaint:
I have ask CRA to provide verification of this debt on multiple disputes and still have not removed the debt nor giving sent me any verified information by mail or email. According to the FCRA section 609 they are required by law to do so.

US Department of Veteran Affairs {$6100.00} US Department of Veteran Affairs {$5000.00} US Department of Veteran Affairs {$100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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: Information belongs to someone else

Complaint:
I checked my credit report to make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. Please investigate and remove these accounts from my credit report. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
At XXXX XX/XX/XXXX I received a call from " unknown ''. The lady immediately told me " I am trying to reach XXXX XXXX, or leave a message of urgent importance regarding documents ''. I offered to take a message rather than confirm my identity. She provided no company name but told me to call XXXX and reference XXXX for " documents to be served from XXXX County Courts ''. 

Upon calling back at XXXX a new lady answered " corporate, how can I help you ''. I provided the reference number, and my name. She asked " how can I help you '' to which i replied I do not know, you called me. She " documents were served, did you receive them? '' I asked who she works for to which she finally replied " XXXX XXXX XXXX '', still not telling me the intent of the call or that it is to collect a debt. She verified my address and last four of social before offering to tell me why. After a brief hold she came back on the line to state " We are attempting to serve papers for civil suit filed for a Bank of America debt ''. 

I informed the lady the debt has been paid since XX/XX/XXXX and I have pay off letter. She offered a fax number XXXX. I asked for an address to send certified, to no avail. 

They have also called my ex-sister in law from 8 years back, my grandmother, my old roommate, and more all in one day.

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 2021-04-07
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The companies involved are XXXX XXXX XXXX XXXX XXXX, Chase Mortgage and XXXX XXXX XXXX. These companies have consistently charged me for FHA Mortgage Insurance over the course of my mortgage loan servicing that is different than the agreement we signed and the closing documents. They have ignored the loan closing documents and applied methods not specified anywhere my loan closing documents and in fact their methodology has resulted in FHA Insurance Premiums that are more than {$9000.00} higher than either amortization schedule ( provided shortly after closing ) or FHA Insurance Premium documents ( included in my loam closing documents ). I believe these overcharged fees are excessive, illegal and a violation of the mortgage loan closing agreement! 

XXXX Mortgage 's response indicates that they do not care what the loan closing documents say. In fact, their response spelled out a method that was not mentioned or included in my loan documents. They refused to clarify why my loan documents said one thing, yet they consistently do something else every month when they charge my account! 

This mortgage loan was originated by XXXX XXXX XXXX in XXXX and sold the Chase Mortgage ( XX/XX/XXXX XXXX, who serviced it until XX/XX/XXXX. XXXX has been servicing this loan since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
greatlakes loan transfer in the amount of over {$88000.00}. Payments were made during covid. a 1098e int statement was received and filed with taxes for 2022 amount over {$6000.00}. Nelnets response was there was no interest charged, I provided proof and requested a itemization of the loans transferred. All capitalized interest is back on the loans. There is a problem with the loan transfer. Attached is 4 years of payment history. Something went wrong in the loan transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 3 accounts that are fraudulent I filled an ftc report and are still reflecting on my credit report. Discover bank. XXXX. And loan me. Also 2 late payments. I was never late for those accounts. XXXX. XXXX

Company response to consumer: Closed with explanation