BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-13
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan on a vehicle that was paid through and protected by the Automatic Stay in my Chapter XXXX Bankruptcy. They have not applied the payments made to the Trustee. Here is a copy of the recent letter I sent them. 


XXXX XXXX Bankruptcy Specialist Wheels Financial Group, LLC dba XXXX Legal Department P : ( XXXX ) XXXX F : ( XXXX ) XXXX RE : CFPB LETTER & ARBITRATION Consumer Financial Protection Bureau ( CFPB ) Case No. XXXX Dear Sirs : Today has been the second day that we have called your compliance department and they have not returned our call. 

As you know, we filed for Arbitration before we go to Federal Court pursuant to the documents we signed with you regarding the return of our vehicle the XXXX XXXX. License Plate XXXX and VIN : XXXX. 

We do not understand why you state that the vehicle is not registered and licensed when the XXXX has contacted us and confirmed that it always has been not only registered and licensed, but also insured since we bought it many years ago. 

We have served you with the documents we have presented in Federal Court and everything is stayed until we resolve arbitration. 

The sooner we do this the better and we would like a full accounting of the thousands of dollars we paid you via the Bankruptcy Trustee which you have failed to apply to the $ XXXX taken out as a loan on this vehicle. 

We will copy the CFPB on this email. 

Thank you and we await your reply as soon as possible. 

Mr. & Mrs . 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Attached. Federal Court Documents served on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Hello sir My name XXXX XXXX and I have got union bank credit card .credit card number is XXXX.this credit permanentlly closed month of XX/XX/2019 and pay full credit limit balance but this card payment due to continued till dated and 12 missed out payment show my credit score and my credit score impact due to this union bank credit card plz checked and correct information provide to credit card beuro 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 2021-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX hired a debt collection agency, Portfolio Recovery to collect a debt that is not mine. I never recieved any correspondence through mail, phone CALL ETC ... I found out about this debt through checking my credit report. At the time of this account being open fraudulently in my name I was hospitalized at XXXX XXXX XXXX. I was told to send proof of this and I did. I was later told that this was illegal on the part of XXXX XXXX  and Portfolio Recovery. This is an invasion of my privacy according to the Privacy Act and HIPPA regulations. I also disputed with credit bureaus in which these companies did not reply within the 60 days FCRA regulation requires them to. XXXX XXXX requested to see a police report and I sent them three different ones to different departments over and over again. Portfolio Recovery also made this request and I obliged but after 60 days was not made aware of any changes to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: Experian Information Solutions Inc.
State: NJ
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 disputed the late payments on my credit report and they still have not removed them.

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 2018-12-24
Company: Mobiloans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I received emails stating on autopay and called to verify but not being drafted so showing late. I received emails XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating " remember that your account comes with AutoPay, so no action is required if you'd like to make the minimum payment ''. I called previously and verified with a rep would come out of checking automatically. Called today and was transferred to a total of 8 people. Each not allowing me to speak to a Supervisor and stating Sr Rep and no Sup. Las person stated I read email wrong after I forwarded to the previous Sr Reps. She then stated I had bad payment history which had nothing do with issue and so rude. I requested a sup but never got one. I need someone from corporate to assist. I already made the payment but still need issue addressed. 

I called XX/XX/XXXX and made the payment that I was told was being drafted. I got no where with the whole issue. Even after making the payment, I am still receiving illegal collections calls. I received an email confirmation payment was submitted but online it does not show I even made the payment. I email and asked why payment not showing or still getting collection calls and was not given an answer.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted all three Credit bureaus, XXXX, Transunion, XXXX to update and correct my personal information : My correct information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX I have never lived at : Remove these addresses XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO 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 non-monetary relief
Consumer complaint received 2022-01-24
Company: Mercedes Benz Financial Services
State: VA
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:
Upon reviewing my credit report at the end of XX/XX/2021, I noticed there were several inconsistencies with my account with Mercedes Benz Financial Services. On XX/XX/2021, I sent a direct dispute to the company to discuss these challenging the accuracy and integrity of the information to no avail. I do not agree with their actions and continuation of reporting these inconsistencies. During this process I have been declined credit and my credit worthiness has been compromised immensely. 

12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 

12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
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: Old information reappears or never goes away

Complaint:
I had a XXXX Credit Card that was closed back on XX/XX/XXXX. Due to financial difficulty, I was not able to keep up with payments. Since then, XXXX  has charged it off, but keeps reporting it to the credit bureau at Failure to Pay. XX/XX/XXXX marked 7 years since it was closed and XXXX   is continuing to report it on my credit report. I made attempts to pay for removal of delinquency reported on my credit report. I also wrote letters to XXXX  and the credit bureaus to remove XXXX  from my credit report. This has affected my credit score tremendously and has hindered my ability to qualify for home loans for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
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:
I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
please see attached file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: U.S. BANCORP
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Opened a new checking account with US Bank, which was approved however US Bank has still NOT provided me necessary information to operate or service my account. 

An example is they have provided only the last 4 digits of my checking account, which is insufficient to register online or do any servicing. 

Additionally attempts to resolve this issue with their customer service was unsuccessful

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 2023-08-18
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : GREATER XXXX XXXX XXXX PH ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have multiple accounts with Chase Bank and recently for {$4500.00} was stolen from them. Some how someone gained access to my accounts and transferred the money from my business account to my checking account. From there it was withdrawn by the way of a XXXX transfer to a very common name of an unknown person. Chase has  denied my claim. According to the my only recourse is to prove my accounts were hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$400.00}. 
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  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX/ with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
My name was fraudulently forged on a quit claim deed dated XX/XX/XXXX at XXXX. My ex-husband wife XXXX XXXX forged my name giving up my interest in the property. I did not sign the document at all. I had the property in bankruptcy that was filed in XXXX to save the property. I have texts showing that I was negotiating with my ex-husband in XX/XX/XXXX trying to come up with an agreement to sell property. The mortgage company excepted the payoff without verifying all the information making sure it was not forged. I have filed a police report. Even on the document that was forged an address that was used for me I never resided at the address. The address used was an old former address of XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: American First Finance, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on AMER FST FIN. Please change the status to Paid or simply " Remove '' the account, and where is the proof of payment history for this account? These statuses are damaging to my report, which would not be happening if the bureau investigated properly and before posting derogatory information. Per FCRA, reporting must be 100 % accurate or this MUST be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written in prior to complain about RPM that is listed on my credit and the original creditor is Direct TV that is shown in the amount of {$570.00}. I am writing this letter to inform the individual ( s ) again that Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from 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 2020-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX insurance on XX/XX/2018 has an Inquiries in which I did not request insurance of any kind or ask to purchase or sign anything for insurance with 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 2020-01-01
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$400.00}. 
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 FR CA, Section 616, and pursue legal action. -- OPEN AC COUNT --  1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -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