BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-09
Company: TMX Finance LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
PRESENTMENT OF CORPORATE VIOLATION : MANAGER ON SITE : XXXX : TITLEMAX PHONE : XXXX LOCATION : XXXX XXXX, GEORGIA XXXX GOVERNMENT ACTION/ AFFIDAVIT OF TRUTH MEMORANDUM OF UNDERSTANDING XX/XX/XXXX-XXXX Presented consumers with misleading information about loan terms : XXXX employees asked consumers how much they wanted to pay each month or how long they wanted to take to pay off the XXXX loan. The guide and sales pitch distracted consumers from the fact that repeatedly renewing the loan, as encouraged by XXXX XXXX employees, would dramatically increase the loan 's cost. The guide does not calculate fees or the total cost to consumers of repeatedly renewing the loan instead of repaying it in XXXX days. This makes it difficult, if not impossible, for a consumer to compare costs for renewing the loan over a given period, Here 's the actual government case and the parts to reference what they are in violation of : http : XXXX In violation of sections : XI : Recordkeeping /number XXXX a and b XXXX : number XXXX VI : Compliance Plan/ number XXXX a, b, and c V : Conduct Provisions/ d and XXXX XXXX and XXXX XXXX through XXXX Sales pitch and repayment plan. 

Today, XX/XX/XXXX I, XXXX XXXX XXXX had my property reposessed after the government action had been served in which they were found GUILTY of deceptive sales and business practices. I was deceived into a renewal plan unknowingly where the repayment interest would have been significantly higher. If I would have known that there would have been an interest increase, I would have never initiated a loan with them to begin with. I would have gone to another loan company .... Their records and the initial and renewal contracts will show that they proceeded after this government action in a repossession based on a failure to pay " monthly '' payments which had been deemed illegal. They are making me consent to an illegal procedure of a contract through deception and omission of fees associated with the transaction. A company can not withhold this information with the consumer. XXXX XXXX, the mangager on site at the Titlemax on XXXX XXXX. XXXX in XXXX, Georgia had confirmed that he received the notice which in turn is an admission of proceeding in an illegal action when he repossessed my car in the driveway of my father 's property in accordance with an illegally deceptive renewal contract in which I had defaulted. The default is void when the counterparty operates in illegal procedure. I would not proceed illegally in accordance with them to pay them, so they illegally have stolen my property while ignoring a government action. I am slighted by the outlandish disobservance of a government ruling and wish to pursuit this to it 's fullest extent. 

In American Honor and XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$8400.00} XXXX XXXX  XXXX Balance : {$34000.00}

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 2017-01-26
Company: Exeter Finance Corp.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I obtained a loan through Exeter Finance Corporation on XXXX/XXXX/XXXX. The original principal was XXXX, APR 25.02 %, monthly payment of XXXX, due the XXXX of each month. Before making my first payment I created an online account. After making my first payment on XXXX/XXXX/XXXX, I was no longer able to log into my account and could only rely on the paper bill statements I received each month in the mail. I just gained access to my account yesterday ( XXXX/XXXX/XXXX ) after mentioning the consideration of filing a complaint with CFPB. The statement generated on XXXX/XXXX/XXXX stated a balance of XXXX ; however, when I was able to log onto my account yesterday, my balance was at XXXX ( this was before my payment for XXXX posted ). Today ( XXXX/XXXX/XXXX ), after my XXXX payment posted, my balance is now XXXX. While speaking with a manager in the customer service department today is was provided a verbal explanation of the allocation of my principal and interest, from each payment starting on XXXX/XXXX/XXXX, and is as follows : XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX. Total Interest paid to date:XXXX, total principal applied to date:XXXX. According to my calculations, XXXX should have been applied to the principal balance to date, additionally, I do not understand the amortization of the loan, as it is inconsistent. Once the customer service manager took a look at my account and tried to explain the discrepancy, she put me on hold, then came back on the line and said she was sending my account to a specialist to further evaluate it. Her actions made me feel as if she was trying to avoid any more contact with me during the call to protect the company, and give them time to cover up what they are doing. I am a compliance assessor for a mortgage lender, and work every day to make sure all consumers are treated fairly. Having experience in assessing files in the financial industry, i can tell when something is n't right. The customer service department does not willingly provide information, as if they are under pressure by senior management to keep their business practices quiet. Again, once I made them aware of my experience, and that i was going to file a complaint with the CFPB ; I gained access to my account online for the first time in 6 months ( after attempting to do so multiple times ), and my account balance changed 2 times in 2 days, once before payment was made and after once after payment was made but both changes occurred after the mention of CFPB. The corporate office is also impossible to get in touch with. I have left a voicemail at he corporate office and have yet to receive a response. If they are improperly allocating my funds, then they are doing it to other people as well. Exeter Finance Corp is located in XXXX, TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is Not asking for an e-oscar report. if XXXX does not have documentation to show these were in fact authorized it must be removed asap, SAID company is liable under the SEC to follow certain rules. XXXX Commission file number XXXX .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , New York XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX , Georgia XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , North Carolina XXXX i will be filing form 211 treasury omb forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER 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 non-monetary relief
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: CA
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 inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Equifax Credit Bureau is expected to eliminate any records recorded on an ID THEFT REPORT. I've educated my lawyer regarding my aims and they are eager to consider that Equifax Credit Bureau is responsible for their tenacious rebelliousness. 

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 non-monetary relief
Consumer complaint received 2023-07-01
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2023 I contacted Synchrony Bank by phone at ( XXXX ) XXXX and told them I was disputing their account in the amount of {$1400.00} and wanted them to cease and desist contact with me regarding said account. On XX/XX/2023 I sent them a letter requesting the cease and desist in writing. They did not respond and On XX/XX/XXXX I received a bill where they are continuing to try to collect on a debt I am disputing and threatening me with credit damage and increased interest charges. It is harassment for them to be continuing to contact me trying to collect on a disputed debt and I am now reporting them as they do not follow the FDCPA.

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 2017-03-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I spoke w/ the XXXX. I am working on traveling out to Washington to tell my story about all the years of pretender beneficiary " XXXX Bank '' and pretender lender loan servicer " Ocwen Loan Servicing '' fraud servicing abuse which has caused me serious health troubles which landed me hospitalized for months. I will hold Ocwen Loan Servicing and XXXX Bank fully responsible for all damages. Ocwen Loan Servicing and its robo-litigation puppet refuse to be honest and stop committing fraud against me, they all continue to harass me sending many fraudulent invoices using fraudulent trustee sales. Ocwen Loan Servicing litigation robo-start has been spinning and cherry picking responses to my many consumer complaints. Ocwen Loan Servicing employees can not stop themselves from committing fraud against Innocent victims, they have no control over mind control. CFPB seeking fines from Ocwen constentaly will continue until the end comes and Ocwen is permanently shut down and all its minions are brought to justice just like XXXX XXXX XXXX. Ocwen Loan Servicing and its litigation lawyers love crooked XXXX and all are scum of the earth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: TX
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:
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. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: PA
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 sent my FTC report and License to report identical theft. XXXX, Equifax and XXXX still reporting fraudulent aCcounts on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03
Company: MoneyLion Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got behind on paying MoneyLion and so my wife took over, and settled my balance with moneylion to close and remove, but instead they kept it open, sent it to collections, and is refusing to take payment to get rid of it once again without opening a bank account with their company, just to end up in the same situation with said new account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
It was revealed in my credit report that a account is fraudulent that I did not authorize. I would like this accounts immediately remove from my Equifax credit report : Account name : XXXX XXXX XXXX  Date open : XXXX XXXX. Acct number : XXXX. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: VA
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit reports with XXXX XXXX, XXXX and Equifax are showing names, addresses, and phone numbers that do not relate to me. I have one phone number, one address, and one name. 

All of the inaccurate information is damaging the consistency of my credit report and causing issues. 

My only name is XXXX XXXX My only address is XXXX XXXX XXXX, XXXX XXXX, OH XXXX My only phone number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: WELLS FARGO & COMPANY
State: CT
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:
My complaint is against Wells Fargo Dealer Services account # XXXX. I used to have my payments in auto payments until XXXX 2019. When I was in the process of making the change of payment methods the mentioned company marked me as late in my credit reports for XX/XX/2019. They never called me or warn me that they were going to proceed to report the late to credit bureaus, a clear violation of the Fair Credit Reporting Act. Im aware that years back in XXXX I incurred in to late payments and I take responsibility for those late payments. Since then I have been working very hard in my credit so this type of scenarios dont ever happen to me again. Im not requesting no remove all the late payments of the account only this last late from XXXX 2019 because this was not my fault this time it was Wells Fargo error. This is negligence, unfair business practice and unreasonable with a costumer that has been loyal to Wells Fargo from years back. Im requesting through Consumer Financial Protection Bureau a deletion letter stating that the late payment from XXXX 2019 is going to be corrected in all 3 credit bureaus. I have tried every way possible way disputing this issue with Wells Fargo and always kept running through a wall. Im telling you, this was not my mistake therefore correct this. Im not going to stop until I get justice and if that means that have to hire an attorney and take this case to court believe me, I will. So please Wells Fargo make a real investigation on this matter and lets try to resolve this the best way possible. I even authorize Wells Fargo to check my reports and there they will see that is what not a money factor or less that I did not wanted to pay you. Thank you!

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 2023-12-01
Company: EQUIFAX, INC.
State: LA
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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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
Consumer complaint received 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 2017-03-21
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have recently heard about the lawsuits against Navient and they have done to me all of the things the lawsuit has alleged. I have been charged late fees and interest even though I have paid consistently through the years. Payments have been misapplied, I have often paid more than the monthly installment amount but those extra payments have not been directed towards principal. My payments have often been misapplied in fact payments at one point were directed to a smaller loan with the same lender ( originally XXXX ) I had that could n't be consolidated in my consolidated loan and that smaller loan got paid in full but I was forced to file a deferment for the larger consolidation loan and during that time interest accrued. I consolidated my student loans upon graduating and in the early years when my income was lower I called many times about income based payment plans and was never given full information about my options. Had I entered such a program my loans would like be dischargeable now since I 've been paying for over 20 years. I have paid much more than I ever borrowed but still owe more than I borrowed after decades of payments due to late fees and interest. I also have had difficulty getting information about my payment history. I have called several times and requested a copy of my full payment history including deferments and forbearance information but it has never been provided. I only have access to what they publish online on their website.

Company response to consumer: Closed with explanation