BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought a little red XXXX XXXX XXXX from XXXX on XXXX in XXXX XXXX the first year of my XXXX  career, in XX/XX/XXXX, and paid Wells Fargo for 5 years : {$360.00} per month. ****A month before the end of the loan, they arbitrarily charged me an extra {$600.00} when I applied to get the title.I knew I was being wronged! I called them repeatedly and discussed the problem with customer service. They could never explain what the fees were actually for, and could not guarentee they were valid!!!
They said these were " various fees. '' I refused to pay various fees to get the title. I went to the local branch and lodged a complaint as well.
They quickly repossessed my car -- it dissappeared!
I paid them {$360.00} for 5 years!
I was devestated. I called an attorney but he told me no one would tangle with Wells-Fargo -- I should have just coughed up whatever they wanted, even if wrong.!! My credit was dinged badly. It was 2 years before I could afford to buy a used car off XXXX. I walked everywhere. I was a single Mom, suffering from XXXX, and did not even have a car to get to my XXXX job. Because of very ill health due to XXXX, I had to leave the job anyway. This was a real turning point. It there any way you can find my records with Wells-Fargo and help me recover any damages? I see in the news that they are STILL CHARGING ARBITRARY FEES WRONGLY. Often, people will nt find out -- until they try to get the title!!!! I do not have my records anymore.I saw my car being offered on a " lemon '' website -- my car was utterly in perfect working condition! They were trying to get {$4000.00} for it. I paid {$360.00} a month for 5 years -- and would have happily used the same car for 5 more years! What a mess! And what a nasty thing to do to a vet!!! Personal information -- -do not publish this part below -- -- XXXX XXXX . XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX SS # XXXX DOB XX/XX/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 2020-12-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My complaint involves all 3 credit Bureaus but especially XXXX  who has applied information to my credit file based on incorrect personal information sited in my file. I am showing multiple names, addresses, SS # s and places of business resulting in incorrect credit information being attached to my file. I have sent letters asking for all 3 bureaus to remove the inaccurate data and nothing has been corrected. I am also a member of the XXXX  Data Breach settlement and have not been compensated with the protective services I am entitled to in the settlement and no one will speak to me about this ... please help!!!

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 2020-10-29
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I sent letters out over 60 days ago. I have not been notified as a consumer I feel like these clowns taking advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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: Their investigation did not fix an error on your report

Complaint:
I contacted Transunion to notify them that Bankruptcy XXXX needs to be investigated for verification and deleted because it is erroneously being reported on my credit report. Transunion responded to my request for verification with a response that the account was " Verified '' sighting the source as XXXX XXXX. I contacted XXXX XXXX regarding the bankruptcy & XXXX XXXX sent me back a letter stating that they could not Verify the Bankruptcy XXXX ( see attachments ). Sent a letter back to Transunion and requested a deletion & proof that they had did a " reasonable investigation to ensure the maximum possibility of reporting ''. Transunion is willfully reporting erroneous, damaging, and unverified information on my Transunion report. They are in direct violation of my consumer rights and of FCRA 15 U.S.C 1681 ( a ). and is causing great harm to my ability to obtain financing and/or credit in a time where it is needed during this pandemic crisis. 15 U.S.C. 1681i ( a ) ; Johnson v. MBNA Am. Bank, 357 F.3d 426, 430 ( 4th Cir. 2004 ) ; Fed. Trade Commn v. Gill. 265 F.3d 944, 1035 ( 9th Cir. 2001 ) ( If an item is found to be inaccurate or unverifiable, the CRA must delete the information from the 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 non-monetary relief
Consumer complaint received 2020-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
WHEN I CHECKED MY CREDIT REPORT I SAW THIS ACCOUNT THAT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: EQUIFAX, 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:
Sometime between XX/XX/XXXX - XX/XX/XXXX, someone fraudulently used my name and SSN but an address in Illinois ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) to open a charge account ending in XXXX with a {$1000.00} credit limit at a XXXX XXXX store in New York state and immediately charge {$950.00} in charges on that account ( {$540.00} for an air conditioner and at least one other charge for {$400.00} ). I have never lived in Illinois, was not in New York state in XX/XX/XXXX and did NOT open this account -- I am a victim of identity theft. I subsequently learned the name of a person who lives/lived ( the house at XXXX XXXX XXXX XXXX in XXXX is apparently for sale ) at the address given on the fraudulent charge application also works -- you guessed it -- as a a contract employee in XXXX, NY! I have been in contact with XXXX 's ( they handle the credit cards for The XXXX XXXX ) fraud division but have been told they may take up to 90 days to investigate this issue even though I sent them the FTC document regarding the " Obligations of Furnishers under the FCRA ''. I have also sent them the police report regarding this crime, the FTC " Identity Theft Report '' and proof of my identity and address. The person who made these purchases using the account s/he fraudulently opened using my personal information can not be expected to pay for them and I do not want their fraud to impact my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
1 ) I have called Equifax four times requesting a free copy of my credit report. Each time I was told it will be mailed to me, but I still have not received my report. 2 ) I am also unable to get a free copy of my Equifax report through XXXX because the security questions used to verify your identity do no pertain to me. XXXX says the questions are generated by Equifax so I need to contact Equifax. I have asked Equifax to correct the security questions multiple times so I can get a copy of my report, but Equifax said there is nothing they can do when I have called them about it. So ... I am unable to get a copy of my credit report from Equifax when requested, AND I am unable to get a copy online through XXXX either. I have attached two examples of the security questions generated ... none of which pertain to me or my credit file. When I check " None of the above '' it says it can not verify my identity and so I need to contact Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have found 16 credit inquires that I did not authorize. I need this reported so that my credit score returns to the true score.

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 2020-10-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An alert came to my phone about a debt that I do not recognize. The amount is {$1100.00} and the account # is XXXX. I was never notified by the original creditor or collection agency regarding any of this information. This is very much indirect communication. I am a victim of identity theft and experian is very much aware of that. I was shocked to find this negative/fraudulent account in my credit report. I had a good credit score rating before this issue. This is damaging to my credit and character.

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 2020-10-29
Company: MRS BPO, LLC
State: CO
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 was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spoke with I C Systems on XX/XX/2020. Was sent to the management team, XXXX XXXX Employee number # XXXX. The company was unable to verify the information and existing debt. The account was placed for collection for an account that isn't mine. Nor have I lived at the address stated.

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 2019-08-09
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have constatnly contacted this agency about producing me with a copy of the original signed contract which is required to be produced to a consumer under the new UCC Laws. This company has yet to produce a original contract showing that I am liable for this account or that I signed and opened this accoutn in my name. Even after Credit One sent a letter sayign they are no longer tryign to collect on the debt this agressive unethical agency still persists to persue a debt they have not rightfully or lawfully validated. My next step is court. I have already retained counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
I disputed inaccurate information on my transunion, XXXX  and XXXX reports. All three bureaus sent me a letter stating the information was verified. I politely sent a method of verification letter asking who verified it, what was their title and what department and what phone number do they have. I have not heard back at all about my method of verification request.

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 2020-07-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent the first letter to Portfolio Recovery Associates onXX/XX/2020 asking for them to verify collection accounts that they have on my credit reports. A total of 10 accounts. I want them to send me documentation of a legally binding contract bearing my signature on these collection accounts. I never got a response so I sent a second letter dated XX/XX/2020 and still no response. I'll attach only one copy of each letter that I sent. I will not attach all 10 letters. I will also attach the return receipts from the certified letters that I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: CL Holdings LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have requested several times that this account be verified b the creditor, however, they never respond to requests. I am unable to determine if the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Synovus Bank
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX/XXXX/XXXX, I was notified that my XXXX XXXX XXXX uncle had been exposed to fraud. I immediately put a hold on his checking and money market accounts. XXXX/XXXX/XXXX met with XXXX XXXX and XXXX XXXX of XXXX a division of Synovus Bank & closed existing account and re-open a new account and signed affidavits for the fraud claim. Amount of fraud XXXX - received credit for XXXX - balance due XXXX. XXXX said their responsibility is for only 60 days and will not refund the balance even though the fraud was committed by the same people. - See the attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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:
Ive just reviewed my credit report and I noticed there is an account on my report that is NOT MINE. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for Experian 's reporting services could fax, mail, or email in a fraudulent account. 

The account from XXXX XXXX XXXX XXXX is NOT MINE. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for XXXX XXXX XXXX XXXX. Your decision to post this invalid account on my credit report, as well as your failure to positively verify this erroneous account has hurt my ability to obtain credit. 

Not only is this account invalid and inaccurate, but to make matters WORSE, this account keeps " updating '' " missed payments '' every month even though it appears to be an account that was charged off years ago. Therefore, it goes on record as FIFTY+ missed payments and counting and it consistently and fraudulently shows I have a missed payment within the last 60 days -- even though I do not ( images attached ). This is not only inaccurate and invalid, but it's intentional, malicious damage to my credit, and it's unlawful and ILLEGAL. 

Under the FCRA, unverified accounts must be removed. 

If you are unable to provide me a copy of verifiable proof, you must remove the erroneous, inaccurate, unverified, invalid account listed below : Creditor/Name of Account : XXXX XXXX XXXX XXXX Account Number : XXXX Status/Provide Physical Proof : UNVERIFIED ACCOUNT ( NOT MINE ) I demand the above account be removed 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 explanation
Consumer complaint received 2021-02-17
Company: Navient Solutions, LLC.
State: IN
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 cant really give you specific dates because this is been going on almost 20 years or more I can not get a home loan because of all of the incorrect student loan data its all on my credit report I am homeless at this time and I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My car was totaled on XX/XX/XXXX. Our insurance company, XXXX paid about {$20000.00} to the finance company, Exeter Finance on XX/XX/XXXX. The check cleared on XX/XX/XXXX. My boyfriend ( who I share the loan with ) and I have been in close contact with Exeter pertaining to the payment status from XXXX and what was happening on a weekly basis. We spoke to customer service agents in the total loss and GAP depts. constantly while dealing with the insurance claim. No one ever said that a payment was due, or about to be late. No one let us know once that the {$20000.00} given to them by the ins. company wouldnt be counted as a payment since it was directly from US. So they proceeded to report a late payment for the month of XXXX and in doing so dropped mine and my bf credit 81 pts. This has devastated us both. I spoke to the GAP dept on several occasions on XX/XX/XXXX, the day I got the alert about the credit change and all they could tell me was that I signed the contract where that piece of information is buried in a lot of paperwork that Im never going to get to read and that this kind of mess happens daily for her. She hears this issue all the time according to her, and still Exeter finance company refuses to inform the customer that their credit could be effected if payments dont continue. Especially when they know this is something constantly overlooked by their costumers. It seems Exeter is simply trying to make their money. But speaking as a person who has been working to get their credit up, and TRUSTED Exeter finance to help me do that, I feel betrayed. I have read about law suits theyve lost due to doing bad business. I fully intend to take this up to corporate levels to get a resolution, as well as dispute the missed payment. But I felt I needed to ask if I have any kind of case to go to a lawyer about this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: EQUIFAX, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
I disputed inaccurate information on my XXXX, XXXX  and equifax reports. All three bureaus sent me a letter stating the information was verified. I politely sent a method of verification letter asking who verified it, what was their title and what department and what phone number do they have. I have not heard back at all about my method of verification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was recently trying to get a loan for bills and couldnt do to my credit so I had gotten my credit score looked at and seen that I have XXXX XXXX on my debt saying the account was open XX/XX/XXXX thats around the time my belongings were lost in grey hound I am an victim of identity theft and recently got my items stolen from on XX/XX/XXXX I have gotten a police report for theft so now all my information is out there once agin including Id social security card debit cards I had to cancel and my check stubs with my job info The amount in debt owed is {$690.00} Current creditor : JEFFERSON CAPITAL SYSTEMS LLC

Company response to consumer: Closed with non-monetary relief