BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase for a tune for my car through ssi the guy was a jerk he lied played games the entire Time he emailed me the tune I had to ask him where he sent 5 times when I got the tune and installed it the tune was trash car didnt run right it smoke stalled and the maker was trying to blame it on my car but my car runs fine with the factory tune the mod that I did was ad a after market turbo with a turbo you have to change the map sensor to a 2 0r 3 bar map sensor this guy From ssi should have told me to go out and get a new one because its only a 1 bar your car wont even no the turbo on it with a 1 bar that I didnt find out until I took it to someone else to tune and had to do it so I was suppose to get 2 tunes and only got one the was complete trash so Bank of America gave me credit 1/2 a credit the guy breech of contract I should have got full credit just for breech but the tune was garabage

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 2019-03-08
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent all 3 credit bureaus certified disput letters along with sending alleged creditors the same letters all certified, 3 different accounts were to be investigated. I did receive names and contact information for verification on 2 of the 3 accounts being disputed, but never on one in the amount of XXXX , since I was given no evidence of my obiligation to pay these debts in the time given by FCRA requirements I sent another letter by certified mail XX/XX/XXXX urging all 3 bureaus to remove this debt before legal action was taken and still have had no response. And I was never sent my free credit report that was also requested in disputed letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: United PanAm Financial Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I created a dispute XX/XX/2017, under the assumption that the account was older than 7 years from the date opened. However, after the dispute, I learned that it's the date from the first delinquency which is XX/XX/2017. 

After completion of the dispute. United Auto Credit purposely supplied incorrect information, in the form of an update. United Auto Credit falsely reported update as the first date of delinquency being XX/XX/2017 ; whereas before it was documented as XX/XX/2017-which is also wrong. 

Also, United Auto Credit removed charge off status and updated it as open. The account has been closed since XX/XX/2017 ; aside from verbal confirmation, I also have emails confirming date of XX/XX/2017. 


I called and spoke with a supervisor by the name of XXXX, who advised was not United Auto Credits ' fault, and that it was XXXX fault. XXXX mentioned a Metro 2 file? and its accuracy, and that it is totally XXXX fault. 

I called XXXX, who advised was not inputted wrong ; and was actually the response from the creditor. It was the creditor who supplied the incorrect information. 

United Auto Credit understands that I do not possess the funds to pay them ; and reported the information to negatively impact me ; in hopes of coercing a settlement. 
When I called XXXX he stated since there was nothing I can do if I would like to settle for deletion of {$1200.00} ; then sent a form that stated settle to update the account as paid. 

When I advised of the error, he advised unable to delete-and offer was no longer on the table ; he also refused to send copy of payment history or copy of the contract ; after a couple of calls he finally sent documents. 

XXXX stated he would send to credit dispute department, but would not provide a date investigation would be complete ; and would not supply a contact number to check on status of the investigation.

I have placed multiple calls requesting confirmation of the investigation, and have not received any help. 

Also to add they have been reporting the wrong balance per payment ledger, the ending balance is {$4100.00} I am scared to dispute the account again, as they may report more erroneous information that will negatively impact my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: TD BANK US HOLDING COMPANY
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:
XXXX 's client XXXX XXXX is a victim of identity theft, her information was used without her consent to apply for a credit card with Nordstrom. While the application was declined the fraudulent related inquiry was left on her XXXX  credit report XX/XX/XXXX. A formal dispute of this information was mailed XX/XX/XXXX and received by Nordstrom however as of this date Nordstrom has failed to reply to and confirm the removal of the fraudulent related data which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Midwest Fidelity Services, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified that I could dispute the alleged past due payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Experian Information Solutions 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:
Second Request : 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 non-monetary relief
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights XXXX 
XXXX15 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 an account without my written instructions.

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 2023-02-03
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-04-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My family and I have been experiencing a severe financial hardship for multiple reasons, most of which are outside of our control ( medical, unexpected repairs, etc ). In XX/XX/XXXX, our mortgage lender, Wells Fargo allowed us to submit a modification request in hopes that our payment would be reduced so we could keep our house. At that time the number of missed payments had not triggered foreclosure proceedings, so we had hope that after over 10 years of making payments Wells would take a serious consideration at our request to make our payments affordable, even if it was for a short period of time. Unfortunately the request was denied, and I was disgusted to find out that the reason Wells gave us ( in writing as well as verbally ) wasn't because lack of affordability, but because the Loan to Value was so low that they would missed on an opportunity to sell it at foreclosure and make a profit. We're seriously in shock at this decision. Because we owe slightly under {$200.00} thousand and the house is worth over {$300.00} thousand they would rather take it from us and sell it? This seems very unreasonable and one sided. We love our house and don't want to lose it. 
To make things worse, three weeks ago we attempted to submit a new modification as our finances changed ( not by much, but we thought it might've helped ). Well, we spoke with at least five different Wells representatives and all indicated that it was absolutely possible to submit a second modification after the first one was closed. Long story short, they kept asking us to call back every other day to check on that status, so we did, but yesterday I spoke to the sixth Wells representative, whom in a very condescending way said : " we're sorry but because you're in Texas and the bank has already established a day of sell, we are unable to accept another modification ''. I explained that five other employees had led us to believe that this was possible, and he basically said " I'm very sorry but those employees shouldn't have given you that information as it is wrong '' ... Now our only option is to try to rush a sell on our side, and we have less than a month to put it on the market, get a contract, get the buyer qualified, and close, which is virtually impossible to do in less than 30 days! 

This is a clear example that Wells is taking advantage of our good will. As much as we hate to be in this situation and know we have let our lender down, we are also humans and unfortunately life has been really rough in the last two years, but we are still alive and have the strength to continue to push forward, we're only asking for some temporary help. Unfortunately when it comes down to assisting consumers, regardless of their high level of loyalty, Wells still only cares about one thing : Wells Fargo.

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 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX SSN : XXXX | DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA 19016 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are 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 your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 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 I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX/XXXX  XXXX XXXX XXXX Unverified Account Creditor Inquiry Date XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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:
You are in direct violation of the Fair Credit Reporting Act, which has violated my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: ALLY FINANCIAL INC.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Ally / Ollo has texted and even called my number after XXXX. I have screenshots as proof of the call after XXXX as well as the text message after XXXX at XXXX on XX/XX/2023 and the call was on XX/XX/2023 at XXXX in violation of the Fair Debt Collection Practices Act.

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 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TODAY XX/XX/19 I WAS MADE AWARE OF TWO COLLECTION ACCOUNTS AND SOME INQUIRIES ON MY REPORT THAT I NEVER OPENED. I NEVER ALLOWED ANYONE TO OPEN THESE ACCOUNTS IN MY NAME NOR DID I BENEFIT ANYTHING FROM THESE ACCOUNTS BEING OPEN IN MY NAME.

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 2018-02-12
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I banked with wells fargo since XX/XX/XXXX and had a secured card with them as well. Last summer in XX/XX/XXXX I decided to close my checking account with them and pay off my secured card. I was going to close the secured card but the banker told me that was a bad idea and that I should instead not use the card anymore and then I would get my refund and the card would " fall off ''. I did as the banker informed me to do and little did I know until I saw an email from wells Fargo that I owed a balance on a platinum visa. I called and inquired about what happened and they told me they upgraded me from a secured card to a platinum card. I did not consent to this nor was this ever disclosed to me prior to getting a secured card. I closed that card because I never authorized the upgrade and was told the secure card would fall off and there would not be an active account for that credit card. I feel that I have been deceived by wells fargo. And now this will be reported on my credit that I closed the credit card and that is not good for my credit.

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 2019-10-31
Company: FREEDOM FINANCIAL NETWORK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Freedom debt relief called me in XX/XX/XXXX ( XXXX XXXX ) and sold me a dream on how they were going to consolidate my debt and it would only cost 12 dollars a month. come to find out they have taken over XXXX and only XXXX has gone towards my debt the rest they have kept. and said its they fee. They started taking money from me in XXXX XXXX XXXX and XXXX XXXX dollars a month unit XXXX. for a year. Theses people are scam artist. My credit score was XXXX when i started with them now its XXXX because instead paying the debt they keep them money. SHAME ON THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My mortgage was sold from XXXX XXXX and it now serviced by Service Loan Servicing company. They sent documentation for a loan modification and I tried to continue to my monthly payments through their site and it was disabled. I dialed the number to continue to make my payments over the phone and the representative told me that they couldn't take my mortgage payment until the loan modification was completed. I recorded the conversation. We submitted the loan modification documents but they reported us late with the credit bureaus when they were the ones whom didn't take my payments. This is corrupt service company, they are not even the owners of the loans, their 'customer ' service representatives are uneducated and located in XXXX  and XXXX and lack any financial education or any college or high school education.

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 2021-11-28
Company: EQUIFAX, INC.
State: FL
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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXXXXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
XXXX card is the company on XXXX the XXXX they cut my card off for and unauthorized transaction and sent me out a replacement card without letting me know they was cutting my card off in the first place they said the card was expidited and its been 15 days and I havent seen my replacement card of any of my money Ive call probably 30 or 40 times and they never help me they always say they are sorry they cant do nothing about it then they sent me out another card and I still havent received it over 10 days Ive been waiting and waiting I got over a 1000 dollars in my account I cant even touch or use and I just need my money as soon as possible thank you

Company response to consumer: Closed with explanation