BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
First of all, there is no statue of limitations when it come to consumer fraud. In the contract you can clearly see that I was charged a finance charge of XXXX according to 15 usc 1605 states that the finance charge is the sum of ALL charges. My consumer fights was violated. Secondly insurance is supposed to be included in the finance charge. my consumer right was violated. Third, when a finance charge is involved, There is no down payment ( no cash transaction ) in a consumer credit transaction, I paid XXXX.my consumer right was violated. Last of all, as far as debt validation and federal law I am a natural person and I am not obligated to any alleged debt according to 18 usc 8. Dispite the federal law, wells Fargo continued to collect on this debt and repossessed my vehicle and dramatically damaged my credit score which had a huge impact on my life. Wells Fargo is Criminally Liable 15 usc 1606 and I will need full remedy for violating my consumer rights pursuant to 1692k.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had no idea that I had a hospital bill from XXXX XXXX reporting on my credit report until my bank pulled my credit. My father and I share the same exact name address and he is normally ill at times and has to go to hospitals, etc. Not me! 

I contacted the Bullcity Financial of XXXX, NC by phone and they lied by stating that they " represent XXXX XXXX '' and was collecting for a bill. They also proceeded to tell me that they have all of the information that they needed. And that I could not pay a settlement amount because XXXX will not allow it. I contacted XXXX prior to this on a separate issue and they explained that they have no knowledge of how accounts get collected on except in house, payments to their financial department and that they do not have a contract with Bullcity Financial Solutions , Inc. to collect on patient accounts. Bullcity Financial continuously spread lies to consumers about this over and over.

They also stated that they had validated it with a itemized statement which I never received or had any knowledge of... I ask several times where did they gave the info and how did they verify my identity. XXXX proceeded to cut me off and hang-up on me. He was not willing to explain or send info showing that the medical account was properly verified nor was he willing to accept a payment less than what he claimed was owed. The claim that it was a bill from 2019 which was during the pandemic which further negates the fact that no one should be in collections at this point due to executive orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
I have these accounts that are not mine nd i want it to be remove from my credit report asap. 

1. Identity Theft JPMCB CARD Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My information was impacted by the XXXX Data Breach and many items in my TransUnion credit file are from unauthorized use of my social security number and card. All accounts are being investigated by the FTC. i did not authorize these accounts to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2.

Fraudulent Item & Explanation : 1. XXXX XXXX XXXX XXXX- {$3800.00} ( Please REMOVE this information no later than XXXX days after receiving this letter under 15 U.S. Code 1681c2 ) 2. XXXX XXXX- {$12000.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 3. XXXX XXXX- {$5500.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$600.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 5. XXXX XXXX  - {$21000.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 6. XXXX - {$910.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 7. XXXX  - {$360.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 8. XXXX XXXX - {$390.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 9. XXXX XXXX XXXX XXXX XXXX  - {$1000.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 10. XXXX XXXX - {$1200.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 11. XXXX XXXX XXXX- {$410.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 12. XXXX XXXX- {$1200.00} ( Please REMOVE this information no later than XXXX days after receiving this letter under 15 U.S. Code 1681c2 )

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 2022-04-13
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EXPERIAN NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT EXPERIAN MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

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 2023-08-30
Company: VW Credit
State: PR
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: Problem with personal statement of dispute

Complaint:
I am writing in regards to a past account XXXX with VW Credit for a XXXX XXXX XXXX. I am requesting to have the late charge payments from XXXX to XX/XX/XXXX that shows up in my credit report, erased and for credit bureaus to be notified of this change after no due diligence from VW Credit to investigate the issue and correct it, in accordance to credit protection during COVID. 

The reason for this request is because at the time I was experiencing some severely difficult financial hardships as well as mental health issues, as explained to VW Credit at the time. I have evidence of letters sent to VW Credit and responses that led to no resolution. 

I managed to pay it off in full and continued making payments on time without any late payments after that. I asked to not be condemned and have my credit affected negatively during a difficult time. Before investigating my rights with a lawyer, VW DID NOT tell me that I could pay off the late balance to avoid repossession. They threatened to repossess the vehicle and charge off my account. I let them know I knew my rights and they let me pay off the late balance and full, restored my account in which I made no late payments until the remainder of my time with the vehicle. 

I would be greatly appreciative if you could help me with VW, who has been evasive in helping to remove late payments from XX/XX/XXXX to XX/XX/XXXX and report changes to credit bureaus. 

Please let me know if you have any questions. 

Best, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: NE
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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX Closed account XXXX XXXX XXXX XXXX XXXX {$620.00} Closed 5 charge-offs Account Info Hover over labels for more details Account number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this matter several times. Your efforts in resolving my problem were ineffectual. What else should I do for you to give thorough attention to my dilemma? I believe there may be an error in the reporting, and I am seeking your assistance in rectifying this issue. 
XXXX XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand the importance of maintaining an accurate credit history, and I am committed to ensuring that my credit report reflects my financial behavior accurately. However, I am concerned that these late payments are negatively impacting my credit score and my ability to access favorable financial opportunities.

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 2023-08-30
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was the same amount disputed from a previous company that falsely reported I owed {$230.00} cable bill from XXXX. This was already removed from my credit report. I never had cable with XXXX XXXXXXXX XXXX 
This account was reported opened on XX/XX/2023 and sent to Credit Management LP collection company. This company has never shown proof that I used my social security number to get cable. I dont even have cable. This company is reporting this erroneously on my XXXX  and XXXX report negatively and I want it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My XXXX card was closed without notice and this will have an effect on my credit score. In fact, when I paid off my XXXX XXXX, my credit score went down 30 points?????????? 

I called XXXX to find out why they did this without notifying me and they claim they sent an email back in XXXX and a letter I never got in the middle of a pandemic. 

I spoke with XXXX Supervisor XXXX on XX/XX/2021. Requested a copy of the letter. This is what banks do with consumers. I had not used the XXXX card, as it had a very low limit and they were rude when I inquired about it about two years ago. My credit score is currently XXXX. It was 83. It went down to XXXX after car was paid off. So its not your good pay that counts. Its the banks abusive behavior towards middle class honest consumers. 

Whats worse is knowing that this agency the CFPB is in the banks pockets. Just wished to make a record. What a waste of time and money we might as well all go live in 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 2020-06-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The bank is Santander with an office in XXXX, Pa. I have been a customer for 35 years. I have had a HELOC with a maximum draw down of {$200000.00} for many years. ( I do not have a 1rst mortgage with any bank ). As of XXXX, I had an outstanding balance of {$4.00}. When COVID became a risk for me ( I am XXXX and XXXX-compromised ), I quarantined for 2 months in XXXX, where I had been staying when the virus first hit. I had NEVER missed any payments in the past, and believed, wrongly, that a {$4.00} balance outstanding could be managed. This is in fact what happened ; 1- I received two calls from Santander in XXXX or XX/XX/2020 that began with a request for the last 4 digits of my SS #. I am not comfortable giving this type of data by phone to someone I do not know nor can I determine the veracity, and I said so. In both cases, the caller said there was no way to move forward and hung up without relating any information as to the purpose of the calls. 
2- In XX/XX/2020, I returned to XXXX to find a letter from Santander Collections, informing me that my HELOC was closed to any further draw down, and that I was assessed a {$40.00} in late fees. Additionally, Santander reported this to the various credit agencies ( taking my credit score from XXXX to XXXX in one fell swoop ). 
3- I called collections and customer service several times. No matter who I spoke to, the refrain was similar ; we called you twice, you did not pay it, you now owe us 2 months late fees ( i owed a {$4.00} balance ) now adding up to {$40.00}, and we are reporting you to credit bureaus ( {$4.00} balance ). 
4- Since then, I have paid the {$4.00} and zeroed out my HELOC balance. I am in the process of terminating the rest of my relationship with this bank ( I have a checking account that has auto-deposits, to include Social Security, every month ). 
5- What I am seeking ; relieve from the punitive {$40.00} late fees ( charged on a {$4.00} outstanding balance ) and written explanations to the credit bureaus from the bank removing the ding. 
XXXX, Santander should be ashamed with its behavior. {$4.00} outstanding balance, and the bank elected to exact a punitive toll on a long-term ( 35 years ) XXXX senior in the midst of a pandemic. Hard to fathom.

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 2023-08-30
Company: Continental Finance Company, LLC
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was paid. Ive contacted XXXX, XXXX and Continental Finance on numerous occasions disputing this negative account. I hear nothing back. Another credit reporting agency did a correct investigation found this should not be on my credit file and removed it. I expect the same from XXXX and 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 2021-10-21
Company: EQUIFAX, INC.
State: OK
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 4 collection accounts on my Equifax credit report from a company called XXXX XXXX XXXX DBA XXXX XXXX XXXX. I entered an agreement with XXXX to have these accounts deleted off my credit report since they were paid in full. XXXX sent me a letter that they have submitted for deletion to Equifax on all 4 accounts. I sent the letter from XXXX to Equifax myself showing them XXXX filed for deletion on the accounts. Equifax has refused to remove them even after 2 investigations and documents being provided to them from XXXX. All Equifax does is say they have updated the collection balance to XXXX and taken the letter i provided from XXXX showing they want accounts deleted and post it as my consumer statement and the accounts stay on my credit report. I have contacted both companies numerous times and gotten cooperation with XXXX but not with Equifax. XXXX has done all they can by providing a letter and submitting for deletion to Equifax with no results. I sent the same information to XXXX and XXXX credit agencies and they promptly deleted the accounts off my report with them. Meanwhile my credit score is severely affected while trying to buy a home for my family. Equifax has said my only option left is to contact CFPB and so that is what i'm doing. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have made ( XXXX ) payments to Citibank over the last week ; {$500.00} on XX/XX/XXXX, {$500.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX. The funds have been withdrawn from my checking account at XXXX XXXX and Citibank has received them however my payments have not been applied to my available credit. I'm told the payments have a hold for a week because of the " high payment amounts ''.

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 2023-08-30
Company: TrueAccord Corp.
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

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 2023-07-28
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief