BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-20
Company: Chaplain Financial Services LLC
State: NJ
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
There are several numbers used in this scam, but they all go back to a XXXX, which does not seem to exist, except as a XXXX. in XXXX and Georgia. The XXXX numbers I have been called from are XXXX, XXXX and XXXX, XXXX,XXXX, XXXX and the XXXX women that continuously harass me are XXXX and XXXX and XXXX. Between them, they probably call me 8 times a day. 
They claim that I owe a payday loan debt from 2011, in the amount of {$1300.00} through XXXX. I have NEVER taken out a payday loan, but they said all things lead back to me and my information, therefore I am responsible and I can not fight it, it 's too late. 
I told them i refused to pay and asked for a Debt Validation Notice or the documents with my signature. She informed me that they do not have that information and can not get it, that I should have received it from the original debtor. They never answer the phone with the name of the company, it 's always litigation or their name. I believe they are calling from cell phones! 
I asked them to never call again, they will not get a dime from me, she tried telling me they will send it for prosecution. Yet, they ca n't even explain why it took them XXXX years to finally contact me if I owed such a debt. TOTAL SCAM!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: PA
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:
Ive sent these documents to these agencies and all inaccuracies and they are violating my rights please address these in accurate information on my consumer report, Experian and XXXX should and need help accountable for furnishing inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: CAVALRY INVESTMENTS, LLC
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, XXXX, XXXX XXXX XXXX without any communication, garnished my XXXX XXXX Account, they sent the va garnish papers to the bank, I called bank and they could not go into details as the {$20000.00} was pending and I should call in a few days after it had been posted. I called XXXX XXXX handling the file ( XXXX ) several times and they would say they are attempting to collect the debt and verify it but yet did not attempt to even talk to me about this debt, when i asked questions trying to clarify the creditor, get a phone number to communicate to the creditor, I got ridiculed for asking for information as they say it has been a debt since XXXX some said XXXX. I spoke to XXXX, XXXX, XXXX, XXXX, at some point left a message for XXXX AND XXXX. For a week nobody helped and on XX/XX/XXXX, after trying to solve this differently for week i called them back, and tird againg XX/XX/XXXX I spoke to these same indivduals but this time decided to record every time i called back from someone hanging up the phone to not answering my questions of just wanting 1. A copy of orginal contract i signes for the debt, 2. Payment histry if at all from the original creditor, Name and adress for original creditor andproof of ownership that XXXX XXXX XXXX XXXX were assigned this debt of about {$23000.00}. I recorded about 10 voice memos in a space of 1 hr and no help or answers were provided to me as the person whose account has been garnished. I called CALVARY SPV LLC, spoke to XXXX who are their clients but they gave me the one answer to talk to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Southern Auto Finance Co
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Dear XXXX XXXX XXXX CFO SAFCO, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from SOUTHERN AUTO FINANCE CORPORATION. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of receipt of this notice, as well as the associated chose in action insurance policy/ices. I am also requesting the governing Trust instrument.

Thank you for your prompt consideration and understanding of the agreement in good faith. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: SLM CORPORATION
State: FL
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:
When I originally notified Sallie Mae that I wanted to updated Privacy Policy, a representative commented through the CFPB complaint feedback stating that there was no such thing, and that Sallie Mae sharing my personal information is how daily business operates and is ran and I could not opt out. Which after doing more research and learning more laws is unfair and untrue! Sallie Mae Totally Disregard my complaint. Sallie Mae has been contacting family members I havent spoken to in years asking to speak with me, instead of calling me. Ive already tried to resolve this debt in house and nothing seems to satisfy this creditor. They refused to put me on a payment plan or defer the loan. They continue to send emails and letters stating if I don't pay by XX/XX/XXXX they are required to sell the debt to third- parties. I did in fact was able to XXXX the link to opt out, but employees are uneducated and told me unlawful and unethical information. Sallie Mae continues to report negative untrue information on my credit report when I disputed it with them. Someone made a note on my XXXX credit report saying- Completed investigation of FCRA dispute - consumer disagrees Because what exactly did I not agree with? basically not complying with the FCRA and still reporting negative false statements. I have been denied every extension of credit because of this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have previously contacted XXXX XXXX XXXX ( XXXX ) to file a billing error dispute reporting on my credit report. 

XXXX has posted a erroneous late payment on my credit report causing my credit score to drop significantly. 

These errors are INCORRECT on the credit reporting bureaus, and have cost me denials on gaining any type of credit. 
THIS ACCOUNT IS DUE ON THE XXXX OF EVERY MONTH AND WAS PAID BEFORE 30 DAYS LATE! I HAVE ATTACHED MY PAYMENT CONFIRMATION OKINUS has violated my consumer rights! 

15 U.S.C. 1666b CORRECTION OF BILLING ERRORS - A CREDITOR MAY NOT TREAT A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

15 U.S.C. 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS- A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY

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 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I had a bankruptcy account removed ( as it was at the 10 year max ) and once it was removed my credit score fell XXXX points. I have zero negative accounts and a good payment record. I have had credit closed and refused. I tried calling Transunion to no avail. They just keep you on hold forever. I think my score should be reconsidered. This is simply ridiculous. I understand that if your credit is not " old '' it may count against you but the severity of the drop is not fair at all.

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 2021-10-13
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Over the past year I have been trying to get Method of Verification for Account # XXXX with XXXX XXXX. Once the collection is disputed with the credit bureau, It states the collection has been validated but has not provided me with any information that I have asked for such as a contract bearing my signature, or any other information. The same information was requested from XXXX and XXXX and the validation could not be verified and the Account was removed from my credit profile with both Bureaus. The dates for the requested information are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have also send Certified Letters to Transworld systems and have not received a response. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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: Account status incorrect

Complaint:
15 usc 1681i ( 5 ) XXXX XXXX XXXX I dispute the account but all 3 offices say account accurate how is it accurate how did you verified it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Good evening, I was transferred to " Fed Loan Servicing '' in XXXX of XXXX. Previous I was with " XXXX XXXX ''. I have reached out 3 times over 18 months, the latest time on XX/XX/XXXX, regarding an error in the number of " qualified payments '' I have made towards my PSLF loans, with no response other than " we'll be in touch ''. My PSLF number of payments are incorrect. As of XX/XX/XXXX, " Fed Loan '' shows i have made 38 qualifying payments. However, as of that date, my records show I have made 55 qualifying payments. I have been on an IDR since XX/XX/XXXX and have been a government employee since XX/XX/XXXX. I have submitted two ECFs in this time frame. I am thinking the problem arose when i was transferred to " Fed Loan '' as my servicer. I have my records from " XXXX XXXX '' which I also sent to " My Fed Loan ''. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: CA
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 did not authorize this hard inquiry from XXXX XXXX XXXX  and would like it removed from all of my consumer reports immediately 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: In progress
Consumer complaint received 2020-04-07
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hey, I'm a student at XXXX Tech. This debt was late but I paid it. I contact the company. Credit is very important to me, I'm an young male trying to build my business. Can I even do a Pay for and delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, XXXX, and XXXX and have noted following discrepancies : XXXX Inq date : XX/XX/XXXX  {$14.00} Charter communications Inq date : XX/XX/XXXX  {$210.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have a list of collections and creditors that repeatedly get removed only to be reinserted, sometimes the SAME DAY! Some are removed from my credit report and put onto my husband 's report, others just get reinserted or change company names. Some are disputed and then removed, sometimes the previously removed items are reinserted and deemed valid, by the credit reporting agency that removed them previously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an unverified account from Choice Recovery. I had previously disputed this account. I have never done business with Choice Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Choice Recovery P\provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Choice Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2023-04-07
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My escrow account is showing payments for a lot higher than my taxes that were not made and did not pay my taxes for XXXX or XXXX. I brought this to their attention and they paid them. I requested they fix my escrow account and refund me for fees related to late payments. They referred to them as supplemental taxes and said I was responsibe for the fees and penalties. I sent them forms from the Tax appraisors office and the county tax site showing they were the only taxes and the only payments received by the tax office for my property. I have turned it over to my brother in law to speak to them on my behalf but would still like to file a complaint as I have been dealing with this since XXXX. 

I am attaching their records as well as mine. If they made payments, it was not on my taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: FL
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 forgot to add this XXXX XXXX XXXX  XX/XX/2022 i did not aunthorize that the accounts as well on the letter are frauduelent please delete

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 2023-09-06
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
Wells Fargo has repossessed my vehicle on XX/XX/XXXX, without notice, in violation of the CFPD Consent order XXXX and the US Office of Currency consent order of XX/XX/XXXX. 

I have not received any communication regarding this account since XX/XX/XXXX. No notice was sent prior to this action. Moreover, Wells Fargo has not fixed my account in regard to the consent order and under XXXX Emergencies XXXX. 

Wells Fargo has violated " Breach of Peace '' in regard to Maryland Law. Maryland Law requires to not breach the peace when repossessing a car. Cars parked on the street, in a driveway or in a public parking lot may be repossessed by the lender. However, if the car is housed inside a locked garage or gate, the lender may not enter by unlawful means to repossess the vehicle. My vehicle was housed in a locked garaged and Wells Fargo agent unlawfully entered the premises without notice unlawfully. Lenders may not repossess a vehicle unless there is an agreement in writing that clearly states the lender can repossess the vehicle if the debtor fails to make the agreed upon payments.

Wells Fargo continues to provide canned answers to appease the investigating agencies yet fail to act in coordination with consent orders entered. Wells Fargo acts in a manner above the law. 

In light of the Administrative Proceedings File # XXXX ; Wells Fargo Continues to bully consumers violating them for undue unjust enrichment by use of " Unclean Hands ''. This behavior is repulsive and severe enforcement must prevail in prevention of this untamed savage behavior. This behavior is so widespread, Wells Fargo has lost accreditation with the Better Business Bureau. Wells Fargo fails to correct their records and bring an end to this beastly behavior.

My account has been charged additional monies not agreed upon. Although I am a party of the administrative consent order. Wells Fargo is continuing the same behavior without respect to their consent order. They are stating checks have been sent to me in refund that have not ( see attached ). No replacement check issued.

I am utterly disappointed and disgusted over the ongoing and continued behavior. I have completed the amortization on the loan and found the additional principal payments were not applied as paid commencing from XXXX. Moreover, I have paid three times the interest amount which in itself constitutes Wells Fargo has reneged on the Consent Order. Wells Fargo had thugs and thieves break into a locked closed garage on Private property, unlicensed to be onsite, steal my vehicle under false manufactured numbers. Wells Fargo is in receipt of payments made which are not credited to my account.

The repossession of my vehicle is in immediate violation of the consent order and I request immediate action accordingly.

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 2023-02-06
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation