BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I was contacted by the phone number associated with the XXXX XXXX Police Department. It was a person that claimed they were an Officer ( provided name, presinct and badge number ). They claimed that I had failed to appear as a court-ordered witness ( I am a XXXX XXXX ) for a case in XXXX XXXX on the previous day. After claiming they had body cam footage of the subpeona being delivered to my office and signed, I insisted that I had never signed a subpeona. They were understanding but asked that I come into the station for a signature verification. When I agreed, they insisted that I needed to place a payment for a Surety Bond that would be returned to me immediately upon verification that the signature they had was not mine. I became suspicious of a scam but after many " scare '' tactics, threatening pursuit of a criminal action if I did not comply and insisting there was a " gag order '' placed on the case, I was scared to deny them. I completed a transfer through Zelle from my bank to whom they insisted was an agent at the Federal Reserve that would verify the payment. The total amount was {$5000.00}. 

I soon after recognized that it was indeed a scam and immediately went to my bank branch to see if the transaction could be reversed as it still showed as pending in my account. The bank said they could not reverse a Zelle payment but gave me the number to submit a claim ticket to Zelle. I did submit a claim but they came back and said nothing could be done. 

I'm hoping I can get help in recouping the money that was transfered due to the scam. Attached is the police report, the transaction details from our XXXX account, and a letter from XXXX insisting they will not take further action after our request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

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 2023-06-11
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account 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 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 more than 7 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 2023-11-29
Company: Spring Oaks Capital, LLC
State: OH
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:
This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. I have report a complaint over this account that was never verified : XXXX XXXX XXXX XXXXXXXX Account Status : not accurate showing as open account. XXXX Terms Frequency : missing information. XXXX Account Type : is not accurate this account was reported as fraudulent over 3 years ago. Please delete this account at once. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: OneMain Finance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I recently surrendered a vehicle that I had re-financed with One Main Financial because it was falling apart. The repairs needed to make the car functional, which was going to eventually include a new engine, was more than the actual value of the car. I had re-financed with them to get a better rate, and had paid them $ XXXX over the XXXX years since I did the original re-fi. The car was never worth as much as the re-fi was for ( about XXXX ), but I needed a car, and I am not a mechanic, but I had a few places that I could go to for help that didn't overcharge me, so until the car REALLY started breaking down, at least I was breaking even ( in retrospect ). 

So late last year, I started getting offers from One Main Financial to re-fi, again, to an even lower rate, with subsequent lower payments. Never XXXX to turn down a lower payment, I went for it. Only this time, every time I turned around, there was XXXX issue after another. A XXXX ton of miscommunication ( I would be told different things by different people ) followed by several extra payments, followed by having to call corporate. Then on top of everything else, my car got broken into, which my insurance didn't cover, and I got slammed out of pocket for that, As well as the burgeoning engine problems. It got both ugly AND expensive. 

When I went to surrender the vehicle, One Main Financial made the process EXTREMELY difficult. They tried not to take the car back ( wouldn't give me information on how to surrender the vehicle, got REALLY nasty with me over the phone, refused to talk about ANYTHING other than me continuing to make payments, etc ), then when they finally made an appointment for me to surrender the vehicle, were absolutely rude when I came into the office. 

So my current quandy is this : They sat on the car for XXXX months before they sold it at auction. The car was only worth {$5500.00}, which is what they sold it for. Now they are demanding $ XXXX for the difference in what I owe them on the re-fi. They already have $ XXXX of my money + {$5500.00} that they sold it for on a car that was only worth {$5500.00} to begin with. 

I received the attached letter in the mail earlier this month, informing me of what I still owe them, and telling me to contact them. If you look at the letter, there is NO contact information. I feel that this is a setup to sue me in court to obtain a wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: PA
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:
MY NAME IN PERSONAL INFORMATION IS NOT CORRECT ON MY CREDIT REPORT PLEASE REMOVE 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 2023-12-15
Company: EdFinancial Services
State: WI
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:
I have been attempting to make payments since XXXX to pay my student loans. Each time that I make a payment, it is reversed the same day. When I called to ask what was going on, they couldn't tell me why payments were being reversed. They only suggested that I do over the phone payments ( still reversed those payments as well ) and try to resubmit payments. I also called my bank to make sure it wasn't an issue on their end, but they assured me that it was with the loan servicer.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is breaking the law in 3 different ways. Number one they do not block items within 4 business days of getting all the 4 documents from me. I send the documents through your entity and they still don't block Em. They start an investigation instead which is illegal and breaking the law part 2, Instead of blocking the item. Their claim is they can't read the FTC report but yet they know which account to put a dispute on because they can't read the report they're just breaking the law. I will include all 4 parts including the law in this filing of the complaint. 605B of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been identified as a member of the Settlement Class in XXXX XXXX XXXX v. TD Bank, N.A in which plaintiffs allege the defendant unlawfully assessed Retry NSF Fees. The Final Approval Hearing in this case occurred on XXXX, 2022. I have repeatedy tried but have not been able to get an update on this matter. 
Below is the contact information for the Settlement Administrator : XXXX XXXX XXXX  v TD Bank , N.A . 
c/o XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX Free XXXX ( XXXX ) XXXX Email : XXXX Kindly assist. 
Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: WELLS FARGO & COMPANY
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Wells Fargo deposited a check written out to me only into an account without my name on it. My name was forged and was not a third party check. I have filed many disputes with them and they acknowledge wrong doing but are not willing to make things right. 
I filed a complaint with the issuing company but they refused to help in any way also. This happened in XXXXXXXX XXXXXXXX  2020 and my last complaint was just dismissed a couple of months ago. The check was just over XXXX dollars.

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 2021-10-13
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:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE:XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX  XXXX XXXX, FL XXXX Resident typeSingle family THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Global Lending Services LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
They took the car about 10 months ago or so and I had personal items in the car we did not no that they we're coming to take the car because my husband called them to let them know that we would make a payment but they did not want to wait and I feel like this repo should not be on the credit report because we had a payment plan and the company was receiving the money yeah it was not the whole amount but we did let them know when we could make a payment and they just came and towed the car

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by XXXX  on XX/XX/21 ( SUNDAY ) through an EMAIL from an agent named XXXX XXXX, then I sent a reply that my name is being fraudulently misused and then I received an email on XX/XX/21 from an agent named XXXX XXXX. ( Last name was not mentioned other than the initial XXXX ), that stated : Taken from the FTC Fraud Affidavit and meant to help with the investigation. Please answer as many as you can and attach any supporting documentation. 
Please provide your full legal name, date of birth, drivers license number, current address, and the date you first lived at that address. 

Please provide information about the fraud ( like when you first discovered it, when you reported it to authorities or others, details about other frauds committee using your personal information ). 

If you know the name of the person who used your information or identification documents to open new accounts or use your existing accounts or otherwise commit fraud please provide their name, address, phone number and any other information about the crime ( like how the identity thief gained access to your information ). 

Attach any police report, government ID containing your signature, or other document that you believe would be relevant. 


If you prefer, you can mail this information to XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, but I did not. Also, XXXX XXXX. had the original address : XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, that XXXX XXXX used for XXXX  on XX/XX/21 BUT she also enclosed another address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX, within the email Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Reliant Capital Solutions, LLC
State: MD
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:
In XX/XX/XXXX I began the mortgage process. i found a home in XX/XX/XXXX and was just advised by my lender that in the XXXX XXXX reporting system there is a notation that i currently ow a student loan from XXXX. US DEPT OF ED is NOT reporting on my credit report and has NEVER made me aware of the debt. I called them and was given the number XXXX NO ANSWER but i was transferred to XXXX XXXXl ( think thats the name ) to see about the debt. The total is {$4100.00}. They offered me a 9 month rehab plan BUT that is way too late for me to complete this mortgage settlement. I asked if i could settle or pay a certain portion to bring the account out of collections and the answer was no.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: NAVY FEDERAL CREDIT UNION
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:
I have been a victim of identity theft and accounts were opened fraudulently by utilizing my personal data. XXXX highly upset with the level of inaccurate thats being display on my good credit. All I do is work and care of my home, so there was never a need to add any of these consumer accounts to my consumer report. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
MyLoanCare LLC purchased my mortgage several years ago ( XXXX ) and I have made all payments on time using the online payment. Now when I attempt to access the company 's website, I states that the page no longer exists. I have attempted to access the website using multiple devices from various internet sources, and I am still not able to access to pay my loan. This issue started XX/XX/XXXX I called the customer service number that was provided with old paperwork and only receive a busy signal. 
To my knowledge, my mortgage has not been sold to another company. 
I just want to pay my bill and keep my house

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am writing to express my continued dissatisfaction with the handling of my credit report by your agency. Despite a previous attempt to correct inaccuracies related to late open account, the issues persist, and I am compelled to bring this matter to your attention once again. 

Despite my prior dispute and documentation provided to rectify this late open account, it continues to be reported inaccurately on my credit report. 

I have attached supporting documentation, including letters of dispute and evidence of resolution, from my previous attempt to rectify these issues. 

I kindly request that your agency conducts a thorough reevaluation of these matters and takes immediate action to correct the inaccuracies related to the late open account on my credit report. I understand the importance of accuracy in credit reporting, and this persistent errors are adversely affecting my creditworthiness. 

I expect your agency to adhere to the necessary protocols and guidelines to address and rectify these issues promptly. Additionally, I request regular updates on the progress of the investigation and the actions taken to correct the late open accounts. 

Please provide a written response within 30 days of receiving this complaint, as required by applicable regulations, confirming the steps taken to address these issues and the results of the investigation. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX XXXX XXXX Balance : {$120.00}.

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 non-monetary relief
Consumer complaint received 2023-12-02
Company: LFG Data Services Holdings, LP
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted this company to remove any information you had on my name, Social Security number about me they was not giving permission to withhold any information on me to share sale or even volunteer to give to third-party companies such as a XXXX I have court document sign with Georgia seal and the US court do not provide information for third parties and XXXX  also emailed me showing that they do not provide documents to third parties Lci is a recording company under the US law is violating my rights in so many ways. Please reach out to this company to have them remove whatever information they have on me and mail me a copy showing Its no longer and there database about a bankruptcy

Company response to consumer: In progress