BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: WELLS FARGO & COMPANY
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was looking for an apartment to rent in XXXX, VA and came across a listing on XXXX marketplace. So I contacted them via XXXX and then they sent me additional information via email. So I found it a reasonable deal and they looked like good people but I hadn't seen the house or met the person face to face. They sent me lease documents and payment receipts for the {$750.00} security deposit plus {$750.00} one month 's rent. Then later they sent me a text message saying they can not Access their XXXX account and that I need to contact my bank since they can not contact their bank from their end. I tried but the bank denied the claim and I couldn't get the money back. But meanwhile, the renters said in order to keep the space and because I signed the lease I still need to pay atleast {$750.00} deposit. I was hesitant but still paid it thinking they legitimately couldn't Access their previous account, and my mistake that I didn't consult anyone else on this matter. Then after this they sent me a receipt of the payment. But after this they started pressurizing me to pay for 6 months rent upfront saying that the owner is facing foreclosure and that they would be grateful for any help they can get. But for the earlier initial {$1500.00} dollar we hadn't gotten the money back. So I was hesitant and denied to pay and accept this 6 month offer. But they still kept on pushing and then I finally said no. Then they didn't contact me for a couple of days. But then, I didn't hear from them regarding any updates so I contacted them and told them that I wanted to cancel the lease because I wasn't feeling comfortable dealing with them and I was having doubts it was a legitimate posting. I told them to cancel the lease but they said they need extra {$300.00} payment for Attorney and cancellation fees. So I informed them to just deduct it from the second {$750.00} deposit that I had paid. But they were not ready to do that, they kept on insisting I pay them extra. And telling me that they would return the money as soon as they recieve the additional {$300.00} and the contract would be void. But my suspicions were growing so I told them I can not pay the extra XXXX and I didn't have that kind of money anymore. So I told them no. And after that I haven't been able to contact them anywhere. And {$2200.00} of my total money had been taken by them. I filed a fraud claim with my bank and the bank refused and denied the claim saying because the transaction was completed through XXXX, they can not do anything. I have no other option but to file a report here because I am a student and that was all my savings that I put on the apartment and now there's no way of retrieving it. I xannot contact the apartment renters and the bank has given up and can not help me, so I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Tried to freeze credit with Equifax both on-line and via phone, but they refused to freeze credit. On-line system refused to place freeze ( " can't complete request '' ) and said I had to call them @ XXXX ( noon, XX/XX/XXXX ). Called them and wasted 20 minutes answering questions like " What bank did you open a credit card account with in XXXX? '' and " What bank did you have a mortgage with in XXXX? '' ( Answer multiple ... an answer not allowed ) .on their automatic response system Finally got an agent, who wasted another 20 minutes asking for the same info that was provided to their system during the same call, and then this XXXX wanted to know " What was your mortgage payment with XXXX XXXX XXXX '' Refused to answer my questions ( " Which of the XXXX or so XXXX XXXX mortgages are we talking about? '' or " How can you expect someone to remember what their mortgage payment was XXXX years ago? '' - we refinanced every XXXX months as interest rates were coming down in the XXXX and XXXX, XXXX XXXX was about every other one ). Agent refused to ask a question from this decade or to provide a supervisor when requested. An hour wasted trying to freeze credit from a company that willingly provides all their customers data to anyone willing to spend 5 minutes hacking their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Fuel Capital Group
State: NC
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 am getting no assistance between strike acceptance and XXXX XXXX XXXX XXXX. I was sold a car with a faulty transmission and was force to pay out of pocket for a brand new transmission ton a car I had less than 30 days. 
I asked XXXX XXXX and both strike acceptance if there is anything they could do to help out with the payment plan. I am only XXXX payment behind the first payment and that is due to being stranded in XXXX GA with a XXXX XXXX XXXX ( traveling from XXXX ) I have had to pay for multiple train rides as well as hauling services due to the lack of assistance. XXXX XXXX has had the car impounded. Strike acceptance has advised that I must pay the total of the car off to obtain the vehicle. I am a single mother who has been utterly abused and mistreated as well as I feel I was truly given the poorest customer service. I have came out almost {$2500.00} to fix the car and safely get my family back to XXXX XXXXa all for them to take it away once I finally got it back to XXXX XXXX XXXX I even visited the XXXX XXXX XXXX XXXX this day to return a rented vehicle. 

Because of this hardship I was late on my first payment for XX/XX/XXXX. I was not able to pick up my car from XXXX until XX/XX/XXXX. 
My car was towed/repossessed on XXXX. 
The bank sent a letter advising my vehicle would not be sold until XX/XX/XXXX, however sold the car back to dealership on XX/XX/XXXX. 
XXXX XXXX advised they had no idea whats was going on with the car and attempted to run my credit to place by me I. A different car. 
I explain to them that strike has advised the car was release to the dealership but XXXX kept denying this statement. ( they did not want to put me I. The same car ) after all the trout XXXX I had faced to get the car fixed. My car was not sold as is and was under warranty. We also found that the dealership did not fix the recall on the transmission before selling me the vehicle ultimately factoring into the transmission failing on me. 

This hardship has set my family back completely. I traded in a car for a lemon and feel completely robbed and scammed. 
If the dealership would have taken the responsibility of fixing the car, I could have successfully made my first payment on time. 

Because the bank went outside of the agreement via the letter ( not selling the car until XX/XX/XXXX ) they agreed to remove the trade line from my credit profile. While I do appreciate this I feel both the bank and XXXX XXXX should be held accountable for the lack of protection against the consumer as well as not allowing me the time to pay for the car before selling the vehicle. 
Also the trade line still shows on my credit after strike informed the better business bureau of deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Paypal Holdings, Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal makes duplicate charges on my method of payment card after online transactions. Paypal authorization hold remains on account despite transactions posted and cleared. Paypal is double dipping by withdrawing the transaction amount while simultaneously placing an indefinite authorization hold on my available funds essentially freexing my account and sitting on my money. This is all in concert with XXXX purchases and XXXX XXXX XXXX checking account and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: USCB, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EdFinancial Services
State: MA
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:
Memo : This is regarding XXXX XXXX to transfer my loan payment to EdFinancial Services This is in reference to a loan payment of {$26000.00} made to XXXX XXXXXXXX XXXX on XX/XX/XXXX via check. The check was cashed on XX/XX/XXXX. I have made the request through EdFinancial ( my new student loan servicer ) to apply this payment to my current outstanding principal balance with multiple requests made starting XX/XX/XXXX. 

I received a call on XX/XX/XXXX from EdFinancial stating that XXXX XXXXXXXX XXXX has cashed my check and still has the funds. I have tried to contact XXXX  XXXX XXXX regarding this, but the company does not have any active numbers ( XXXX ) for this request. 

XXXX XXXX Reference Student Loan # XXXX EdFinancial Service Reference Student Loan # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: ID
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:
On XX/XX/2021 I purchased a vehicle from XXXX XXXX XXXX. The vehicle was listed as XXXX. A large down payment was placed down, leaving only a little over XXXX to be financed. The vehicle was later determined to be a fraudulent sale. It had frame damage and the dealer surety bond established a release an assignment from me to the surety. Despite this this company continues to report on my credit report. I have previously disputed with credit reporting agencies in which I get a response to contact the furnished. This company is aware that their surety bond paid out due to their fraudulent act. They continue to report inaccurate information, hurting my credibility and ability to obtain credit. Additionally, the previous established payment amount of {$200.00} has always been incorrect and they have always reported an inaccurate .obtain credit. Additionally, the previous established payment amount of {$200.00} has always been incorrect and they have always reported a in accurate amount of {$180.00}. After several disputes, it was recently updated with no information. Other than the account was paid, but listed as a charge off. This company needs to remove all negative information and leave the positive on time payments. The account has been disputed and request for re-investigation on two different occasions, and is currently processing through CFPBs complaint system as the account continues to affect me negatively by the inaccurate and incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: LEXISNEXIS
State: VA
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:
Filed XX/XX/2016 Reporting of Bankruptcy court # XXXX, case # XXXX ( XXXX ) Dismissed/Closed Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
The reporting of this hasnt been verified that it was furnished by the bankruptcy court system. It was actually furnished by Lexis Nexis. If within this investigation it is determined that it wasnt furnished via the properly lawfully process, which is the bankruptcy court itself, I would like to request that this reporting is removed from my credit file immediately. If not I will be forced to file for litigation in court to have this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
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 is missing that should be on the report

Complaint:
To whom it may concern my student loans that i paid off show up on my credit file on XXXX  but not transunion or XXXX. I would like to be updated so it shows I pay off my things on time and so that my age of credit can be accurate. I also have a XXXX XXXX XXXX  of my cousins i am a authorized user on that has still not been updated to 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 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information.

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

CAPITAL ONE is in violation of 15 U.S.C. 1666 ( b ), which govern the timing of payments and grace periods.

Under the law, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Having problems undersatanding why my credit score wont reach XXXX after twenty years of services.

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 2019-11-17
Company: CORELOGIC INC
State: AR
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: Other problem getting your report or credit score

Complaint:
ON XX/XX/2012 AND XX/XX/2012 WE APPLIED FOR A MORTGAGE WITH XXXX XXXX-XXXX  VIA CREDCO. SEE ATTACHED. WE WERE DENIED BECAUSE OF XXXX/CREDCO SUPRESSING OUR CREDIT FILES..AND NEVER GOT LETTERS OF ADVERSE ACTIONS FROM ANYONE.

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 2018-03-11
Company: M&T BANK CORPORATION
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: Account information incorrect

Complaint:
I divorced my spouse over two years ago and want my name removed from the mortgage at XXXX   and XXXX XXXX credit agencies where I am listed as owning the mortgage. I filed a quit claim deed for the mortgage and an assumption agreement was filed by my wife as well. My dissolution of marriage judgement, marital settlement agreement, quit claim deed, and assumption agreement of my ex-spouse that M & T bank is a party to, all of which clearly show that my wife has assumed the mortgage were sent to XXXX  andXXXX XXXX. Both have refused to remove the mortgage from my credit report. This has denied me the ability to purchase another home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: UT
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN DATE OPENED-DATES DIFFER FROM XXXX, EXPERIAN XXXX XXXX HIGH CREDIT- AMOUNTS DIFFER FROM XXXX, EXPERIAN & XXXX PAST DUE- SHOWS BALANCE- WHEN ACCOUNT WAS CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, EXPERIAN & XXXX DATE LAST ACTIVE- DATES DIFFER FROM XXXX, EXPERIAN & XXXX DATE OF LAST PAYMENT- DATES DIFFER FROM XXXX, EXPERIAN & XXXX PAYMENT HISTORY- HISTORY DIFFER XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX  was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX XXXX XXXX complied with this requirement.

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 2023-05-31
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
While looking at my credit report i have notice inconsistencies with the information all three credit bureaus have. As you know, this is NOT allowed under my rights and also a clear indication that this information was Not properly verified upon you receiving it. XXXX XXXX XXXX has a BALANCE DEBT OF XXXX while XXXX XXXX HAS A TOTAL DEBT BALANCE OF XXXX. I need help!!!!!! MY CREDIT REPORT ON ALL XXXX CREDIT BUREAUS ARE NOT CORRECT THERE ARE COLLECTION ON XXXX, XXXX and XXXX THAT ARE NOT MINE AND ARE INCORRECT AND DIFFERENT. THIS IS NOT POSSIBLE AND BECAUSE OF THIS INCONSISTENCY, PLEASE DELETE THE FOLLOWING ACCOUNT FROM MY CREDIT PROFILE IMMEDIATELY. ACCORDING TO THE 15 USC 1681 LAW, THERE SHOULD NOT BE ANY DAMAGE ON MY REPORT IS A DEFAMATION TO MY CHARACTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: MS
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, XXXX XXXX XXXX Account number 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: 3rd Generation, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XXXX XXXX @ XXXX XXXX  my boyfriend ran down the stairs to stop a towe driver trying to repo my car.He woke me up by screaming my name. As I came down the stairs to try and make sense of things the towe driver said he was sent by my finance company! California Auto Finance XXXX XXXX XXXX XXXX XXXX CA XXXX. There phone number is XXXX XXXX XXXX. I tried to get in contact with them but I'm not getting an answers. The towe driver gave me a card and the name of the company is ASAP phone number XXXX XXXX XXXX.

Company response to consumer: Untimely response