BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I banked with Wells Fargo in 2019. I was notified by the Pennsylvania Department Of Transportation that a check for vehicle registration was fraudulent sent to them in my name. I purchased a vehicle from XXXX   XXXX  in XX/XX/2019. I provided XXXX XXXX with a deposit of {$5000.00} for the vehicle which the salesman XXXX explained to me covered the vehicle registration. XXXX XXXX asked me for my banking info on a piece of paper that verifies your information. I never at any time gave XXXX XXXX consent to add my checking and routing number to a cashiers check to submit to the State of Pennsylvania. The fraudulent check then bounced because I gave XXXX XXXX all my funds for a deposit. Now the State of Pennsylvania is stating I owe them over {$1000.00} or my license and vehicle registration will be suspended. This was done fraudulently without my knowledge and or consent. I was advised to take this issue up with Wells Fargo. I tried to do so via their customer service line to no avail.

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 2021-08-19
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2019-03-18
Company: Consumer Portfolio Services, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My used car loan began on XX/XX/XXXX. At the time of the origination the loan was for {$21000.00}. I had purchased a XXXX XXXX XXXX XXXX with XXXX miles on it. A few weeks ago I asked for a payoff amount for my car, since it was having major repair issues and was advised I need to pay {$20000.00} to pay off the car, almost four years has passed mind you. According to Consumer Portfolios Services payment history, I have paid them {$13000.00} dollars and of that amount {$2300.00} has been applied to the purchase price, the balance of XXXX was for interest and fees. When I called to speak to a customer service representative she got very snippy with me, stating this was a simple interest loan and because I was behind they were charging me {$9.00} per day. I said that I never got a copy of my loan agreement and I would like it sent out immediately and she said she would make the request. That was over a month ago and I still do not have anything from them. At the time I was past due, but Consumer Portfolio reported that I was current to the credit bureaus and yet they are still charging. I am at my wits end with this loan and a car that will not last much longer. Is this legal to just keep adding charges and fees to a loan so basically you wont have a car, but will just be paying money on top of money for nothing. This is the craziest thing I have ever seen or heard of and I am afraid I will be without a car and without a way to get a new one to get to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Finance of America Holdings LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
The company is Finance of America commercial and loan number is XXXX. I have had a loan with FACO since XX/XX/XXXX approximately and never had a late payment till XXXX because of Covid 19. I lost my rental income and a huge chunk of investment income and to add to it, a worker working on my home XXXX XXXX XXXX caught Covid 19 and work was suspended for a month and a half with the lock ups. I applied for loss mitigation and had a few questions regarding what was needed and the rep I was working with XXXX XXXX did not respond. The next thing I got was a letter saying I did not meet the guidelines. I was late in XXXX payment and had to pay the late fee of {$360.00} to get a draw. I had money for XXXX which i borrowed and attempted several times to make the payment but I was unaware that my XXXX   account was hacked and bill pay was suspended. I kept going back and forth with XXXX until i figured this out and had to do a wire instead. XXXX, I did my best and only still secured payment later on. My whole purpose of this email is to ask if it's too much for FACO to give consideration to its customers who were hit by Covid 19. Isn't it a bit extreme to expect payment on time when there's lost income and sick workers working on the fix and flip? I really thought a company with values like yours would at least try and work with the customers? It's quite unfortunate what I have experience. I owe {$790.00} in my account, I can't get a draw, I don't have that money. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: WorldRemit Corp.
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Good evening On XX/XX/2019, i made a transaction of {$1000.00} usd to my cousin. 

She didn't worry to pick it up and the cash appeared active until the month of XXXX. When I reach my country and find out from financiera Supergiros which was the intermediate company, they said I must contact World Remit for them to refund my money. 

What procedure I should go through for that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: NJ
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 have 3 inquiries that are not mine. I called to dispute these and met a ton of rsistance no cooperation. I sent three certified letters. One for each inquiry ( certified mail ). These requests have gone ignored which is very consistent with Experian 's culture. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

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 2020-05-08
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$32000.00}, {$5400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.

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 2020-06-25
Company: CASHCALL, 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 took out a loan from CashCall in 2016 at an interest rate above 90 % at first I was making good payments of {$290.00} on the loan even at times making extra payments for a close to 21 months. I ran into some had times and could not afford the high monthly payments, my loss in income and health issues, I did not have the money to make the payments of {$290.00} every month. The loan from CashCall was originally {$2600.00} at 135 % APR so 21 payments a total of {$6100.00}. CashCall states I still owe them {$1200.00}. I have sent them letters that I was on XXXX from my job and with a lower income it was very difficult to make the {$290.00} payments every month. CashCall sent a letter back offering to accept a final payment of {$120.00} to close the account and show paid as agreed on my credit report. I sent them the payment within the offered time that CashCall demanded. I sent the payment on XX/XX/2016. as of today XX/XX/2016, CashCall has yet to process the payment, but now sent me an email stating that I owe the {$6000.00} plus dollars and they are will to settle the debt for {$1500.00} dollars. When I sent them an email regarding the matter the stated that I needed to call them to resolve the matter. I said I would like to correspond with them via email, because I do not like how the mislead clients and deceived consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: NELSON AND KENNARD
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a demand letter on XX/XX/2021( all doc attached ) stating I owed {$2100.00} for File # XXXX, acct # ending XXXX. I paid {$150.00} XXXX proof of pymts also attached XXXX. Then the next letter XXXX rec 'd 8 days later said the same file # and acct # now had a balance of {$1200.00}. They either are fraudulent or completely incompetent, but I kept paying based on the last letter. I paid on XX/XX/XXXX, {$150.00} and just paid on XX/XX/XXXX, another {$150.00}. Then today I get a thing in the mail showing the court is notified I defaulted on an agreement to pay. I agreed to pay but will not make another payment until this company agrees that all is owed now is the following, based on their last letter and the pymts made since : Letter sent on 2/17/21 stated amt owed is {$1200.00} Pymt of {$150.00} on XX/XX/XXXX Pymt of {$150.00} on XX/XX/21Pymt of {$150.00} on XX/XX/21That leaves a total owed of {$790.00} Any amount over that can not be trusted as this company sent XXXX completely different amts within 8 days of each other so I will take the lower amount, which is the last letter they sent me. I will also be sending all of this info to the court as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have the XXXX service thru my Capital One credit card. I have used it for years without incident. Today, I checked the site and my credit score had dropped by 22 points, with the website showing, under the section listing issues affecting my score, " Managing Real Estate '' with a further paragraph discussing a mortgage. 

I do not now, nor have I ever had, a mortgage. Nor have I applied for one. I rent. 

I called the phone # on the XXXX site and it turned out to go to XXXX, not XXXX, and they would offer zero information. XXXX said they were a completely separate and distinct company, and I'd need to speak directly to XXXX. I then called CapitalOne asking for a direct phone # for XXXX. I was put on hold, given the option to have a call back in an hour, and when they did call, was told to go back to the same website that had already mis-directed me. 

Obviously, I want an explanation for where the erroneous " mortgage '' information was obtained as it could suggest a fraudulent use of my personal information. I will add that in the years I've used the XXXX account, I have frequently checked my score, used their simulator feature, and also checked the listing referencing facts impacting my score. Until today, there had NEVER been a section discussing a mortgage or real estate. 

In short, the lack of response or availability of any information from Cap1 or XXXX is extremely frustrating. There should be some way to reach a person who can look into this false information and explain the source.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: EQUIFAX, 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:
XX/XX/2013, my identity was stolen, the following year my taxes were filled with the stolen information which I was then alerted. Since then I have disputed a deposit account, a `vacation mortgage, and auto loan on my report with XXXX  and requested that they block the information from my credit report, I've requested the physical evidence from their investigation, and reached out to the actual lenders to furnish this information as well as providing my identification, all police reports, id theft affidavit, a copy of my letter from the IRS stating my social was used fraudulently. I always receive a generic response without evidence of an actual investigation by a human took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax has violated my consumer rights. I have tried to dispute the erroneous information on my credit report numerous times the most recent being XXXX of XXXX A proper reinvestigation was not done pursuant to 15 USC 1681. The accounts were indeed verified by Equifax and remained on my report even though it is against the law for it to be there, especially without my consent. Since the information could not be verified pursuant to the FCRA it has to be removed. Equifax has failed to do that. I called Equifax on XX/XX/XXXX to have the accounts removed and was told by XXXX that I would be able to have to accounts removed. She gave me a confirmation number and told me my account would be updated in 30 days. I got an alert on my credit file that Equifax had not removed the accounts but started another dispute, which I specifically said I did not want. XXXX did not tell the truth nor do her job which is to remove all the accounts that she said would be removed that I have disputed as being erroneous. This has greatly affected my ability to have any credit extended to me because my score is so low due to this being improperly reported and subsequently improperly reinvestigated. Equifax needs to do their lawful duty and correct my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Porania, LLC
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-10
Company: Sterling Infosystems Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was required by a new employer XXXX XXXX resorts to provide a background check. The background check came back negatively based on incorrect information I have provided documentation to Correspond with such facts. Due to the companies error in presenting my background I am currently under denial for employment based on this information. I was given the information of the status of the background check on XX/XX/2022 I am currently disputing this information and ask that the proper paperwork to be looked into.

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 2020-10-10
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 4 loans that was in default with the US Department of Education that appeared on my Transunion credit report. Please note that these loans was consolidated into one loan through XXXX XXXX, under account number 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