BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2020-12-12
Company: Experian Information Solutions Inc.
State: AR
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:
Since Experian prefers to have multiple federal investigations opened on their incompetence in protecting consumers that will ultimately result in a substantial lawsuit against them, the following consumer statement is requested to be placed with the fraudulent credit card account that was reported to Experian, as well as local, state and federal law enforcement after my identity was stolen : PERSONAL STATEMENT TO BE ADDED TO XXXX ACCOUNT LISTING : *Submitted Police Reports prove that this account is fraudulent.

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 2021-02-24
Company: Concord Servicing Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX I obtained a loan for energy improvements to my home, through the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

I have been making payments on that loan until, unbeknownst to me, the company that services that loan XXXX XXXX XXXX stopped payment through the automatic payment method that I had set up with them. It appears that this occurred XX/XX/XXXX. 

I have not received any written communication from XXXX XXXX XXXX to explain why payment was stopped. On or around XX/XX/XXXX I became aware that these payments were no longer being made. When I attempted to log in to my XXXX XXXX XXXX account, I found that my account was no longer accessible. When I was able to access their website with new credentials, my loan was no longer linked to my account. I still have no access to any information about my loan, since this was all done via the web account ( paperless ). I also have not received any emails from XXXX XXXX about the account. 

Around XX/XX/XXXX I received a call from a bill collector notifying me that they were collecting the debt on the account. I told them that I would not pay the debt until I was able to establish contact with the lender. Since this time I have been attempting to contact XXXX XXXX. 

The phone number at the XXXX XXXX office apparently doesn't pertain to loans outside of California or Florida. When I call this number I am internally forwarded to a third party bill collector, Concord. 

I have also attempted to contact XXXX XXXX via email and through the form on the XXXX XXXX website but have not received a reply. 

I am unable to contact the lender to confirm or understand the reason that my loan payment stopped or why this was referred to a bill collector. As I have no information from a trusted source regarding this loan, I am contacting CFPB to understand the legitimacy of the claim against me.

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 monetary relief
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For the last week, I have been trying to place a security freeze on my credit report. I have been unable to do it on the Equifax website ( which does not load this option ) or via their customer service phone number ( where this option simply connects to a busy signal ). The only help number I have been able to reach at Equifax has operators who only offer to " walk me through '' the online process ( which simply does not work ) and refuse to do it over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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, activating, or registering a card

Complaint:
I feel that Capital One is denying me for unknown, false or reasons such as discriminating as I applied on several occasions based on getting numerous emails requesting me to apply. 

Based on the reasons below they are fabricated and completely false as my income they has was incorrect which is why they asked me to apply again. When I applied the second time they gave me another falsified inaccurate reason as I have not opened any new revolving accounts for at least 2 years. 

When I called Capital One they were very rude and ended up hanging up on me and they said that I had to contact the 3 credit bureaus as they are the reason based on the information they received from them as to why I was denied. 

Below are the reasons I received on the letters I received from Capital One. 

XXXX ID : XXXX Reason : Based on your application, income is insufficient for amount of credit requested. 


Date : XXXX Reason : Based on your credit report from one or more agencies on the back of this letter, there are too many new revolving accounts. 


ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: CREDIGY USA CORP.
State: CA
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:
On or aboutXX/XX/XXXX I purchased a vehicle from XXXX XXXX. In XX/XX/XXXX the loan was transferred to XXXX XXXX XXXX. I filed Chapter XXXX in XX/XX/XXXX. When I dismissed the Chapter XXXX in XX/XX/XXXX, I contacted XXXX to request the payoff. After more than 15 telephone calls, no one could find the record or tell me the balance I was told it was charged off during the Chapter XXXX. XX/XX/XXXX, my vehicle was repossessed from my home. I was directed to XXXX XXXX XXXX. No one at XXXX speaks English ; it is a call center in XXXX. However, I went through the process, paid off the balance and all associated repo fees in the amount of {$5800.00} ( pay off balance of : {$4800.00} ; repo fee : {$980.00} ; and Redemption fee : {$140.00} ). I was told I would receive the Certificate of Title within 15 days.

I did not receive the certificate of title in 15 days. I then contacted XXXX, who would not talk to me but rather directed me to contact XXXX XXXX  at XXXX. I called and tried to talk to someone about my title despite the language barriers and I was told it was on its way.

XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX ( I have no idea who this is? ) on XXXX letterhead that indicated : They had contacted the CA DMV to remove their lien interest and I should receive the title within 15-20 business days. In addition they included an unsigned State of California Certificate of title listing XXXX At XXXX XXXX as the legal owner of my vehicle. I took the Certificate of Title to the DMV and was told that the certificate was an unsigned, illegal document. I placed 6 separate calls to XXXX, told them the document was not legal and asked for a legal replacement. Out of frustration, I contacted XXXX and told them I had a fraudulent document. They informed me to make a formal, written request to : XXXX XXXX XXXX XXXX GA XXXX. That request was faxed on XX/XX/XXXX to : XXXX. I still received no response or legal Certificate of Title. On XX/XX/XXXX, I contacted XXXX again. I was asked to email my request to : XXXX. That email was sent on XX/XX/XXXX. To date I have received no response or no legal Certificate of Title.

I get the run around at every turn and this company ( ies ) : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are conducting fraudulent activities and will not send me my legal Certificate of Title.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Nelnet, Inc.
State: NV
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:
Incorrectly is still on my credit report ; Please remove the accounts as requested previously. All of these were already dismissed via XXXX claim etc // Should've been removed YEARS ago. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
By law, TransUnion is violating my rights by reporting inaccurate, unverifiable information. Although TransUnion sent documentation on XX/XX/21 stating an inaccurate account was not reporting on my consumer report, I will attach a document confirming it is being reported.

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 2023-03-30
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed & before it was closed they charged me to use my account by taking a monthly fee.

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 2020-11-25
Company: EQUIFAX, INC.
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:
hello and to whom this may concern. hi! my name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, New York XXXX. XXXX and i have contacted Equifax countless times and the creditor and cant seem to have them remove these unauthorized inquiries off my report, its a cat and mouse game as they keep telling me to call one another back and i'm sick of it! being a XXXX survivor and losing half of my XXXX i feel like i have enough stress in my life other than some simple unauthorized inquiry removal which is part of Equifax issue of not helping me! Equifax customer service is being NO HELP in this situation and i even find myself being hung up on sometimes its becoming ridiculous! Now when i give them a call back all i do is get a busy signal and i can never get in touch with them! i am now writing to you guys for the formal complaint because i'm hearing you can help me! i will list the inquiries below which are part of the unauthorized inquiries shown on my credit report which is holding me back from my credit goals etc. i am hoping you can guys can help me out here! look forward from hearing from you guys thank you!! i've read the FCRA countless times and i know my rights, equifax is not helping at all and this is not fair, legally they can't do this to me and they are honestly NO HELP!! here are the unauthorized inquiries i need removed off my credit report " EQUIFAX '' As follows ... 

XXXX XXXX, XXXX  on XX/XX/2020 XXXX  on XX/XX/2020 XXXX XXXX-XXXX  on XX/XX/2020 XXXX on XX/XX/2020 XXXX  on XX/XX/2020 XXXX  XXXX XXXX  XXXX on XX/XX/2020 XXXX XXXX on XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX ON XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: ID Analytics, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Could not purchase vehicle due to erroneous credit file freeze by one Third Party reporting XXXX via XXXX XXXX and XXXX- XX/XX/2019. We, I, US have never had any personal contact with this service or organization and we purchased a vehicle just two weeks ago and this did NOT come up! XXXX credit report significantly lower causing major financial impact!

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 2019-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently requested a {$1000.00} increase in my credit line with Capital One. I am a XXXX year old woman, separated from my husband for the last XXXX years. I received a letter stating my request had been denied on the basis of Your average monthly payment has been too low. The explanation that was provided by Capital One was Generally, if you make more than your minimum monthly payment on time for 3 months you can reapply for a credit line increase. 
Below is a report of my last payments for XXXX and XXXX 22 payments in all. Everyone of these payments were made in a timely manner and far exceeded the minimum payment required. As of this writing, at the highest amount of outstanding credit, the minimum payment is only {$100.00}. 
XXXX XXXX - {$350.00} ; XXXX - {$100.00} ; XXXX - {$250.00} ; XXXX - {$250.00} ; XXXX - {$100.00} ; XXXX -  {$100.00} ; XXXX - {$100.00} ; XXXX - {$500.00} ; XXXX {$250.00} ; XXXX - {$300.00} ; XXXX {$150.00} ; XXXX - {$300.00} XXXX XXXX - {$250.00} ; XXXX - {$500.00} ; XXXX - {$500.00} ; XXXX - {$400.00} ; XXXX -  {$200.00} ; XXXX - {$500.00} ; XXXX - {$500.00} ; XXXX - {$350.00} ; XXXX - {$500.00} ; XXXX - {$440.00} I did not receive any adverse action notice. 
I believe I have proven that the credit line increase should be granted in light of the fact that I have far exceeded Capital Ones requirements. I urge Capital One to be completely truthful in its response and not to add any additional requirements above the reason I was given for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
InXX/XX/XXXXIenteredintoarehabloanagreementwithConservetobringmeoutofdefault.Theyneversentmeanyfinalpaperworkorcorrespondence,theyjuststartedtakingautomaticpaymentsoutofmybankaccountwhichIauthorizedundertheassumptionthepaymentswerebasedontheloanrehabagreement.Thepaymentshavebeentakenoutmonthlyfor2years.Isporadicallywouldreceivealetternotifyingmethattheamountpursuanttomyloanagreementandpriorauthorizationwouldbededucted(acopyofoneofthelettersisattached).IreceivedNOothercorrespondenceotherthanthesesporadicletters.ThisyearmyhusbandandIfiledjointtaxreturnsandreceivedanoticethattheentireamountwastakenasanIRSoffsetduetomyUSDeptofEdloanbeingindefault.IcalledthenumberontheIRSletter(USDeptofEducation)andtheautomatedsystemsaidmyaccountiswithConserve&transferredmetothem.TheytoldmethatafterIfilledoutallthedocuments(backin2016)theydidanauditanditwasdeterminedIshouldbepayingmorethanwhatmycurrentamountis,butIwasnevernotified.IreceivednocorrespondenceinanywayormessagesoremailsoranythingfromConserveabouttheproblemwiththeamountotherthanthesporadiclettersImentioned(oneisattached)andsincetheautomaticpaymentswerebeingtakenmonthlyfrommybankaccounthowwouldIknowtherewasanissue.IaskedthemwhyIwasnottoldabouttheoffsetsoIcouldhavetriedtorectifythesituationandwastoldwecantgeneratethattypeofcorrespondenceIaskedwhynobodycontactedme,Iwastoldwetriedtocall.IaskedwhenIreceivednomessagesandiftheycouldntgetmebyphonewhydidnttheysendmecorrespondence.Iwastoldwecantdothat.Sohowisapersonsupposedtorectifyasituationthattheyarentevenawareof?HejusttoldmetohavemyhusbandfilloutaninjuredspouseformbutwouldnotgivemeananswerofhowImindefaultifIhavebeenmakingpaymentsfor2yearsandwasNEVERtoldtheirwasanissuewiththeamount.Theywouldnothelpmeatall.IcalledtheIRSoffsetnumberitsaidtherewerenone,IcalledUSDeptofEducationtheytellmecallConserve,IcallConservetheywontgivemeananswerofhowImindefaultifIvebeenpayingwhatIthoughtwasalegitimateloanrehab.Nobodywillanswerme,nobodywilltellmyhowthishappenedandwhatIcandoandwhy/howImindefaultifIvepaidmonthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: CarMax, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Case Number XXXX was closed simply because the company responded. However the company did respond, yet they were false in their promises just as they were in my initial complaint against the company. I received a response from a Ms XXXX XXXX, who stated that if I needed a payment date change to contact XXXX XXXX. On XX/XX/2019 I contacted Mr XXXX to do just that, with no response back, so on XX/XX/XXXX I emailed Ms XXXX in Regards to Mr XXXX not calling me back and Finally he did on XX/XX/2019 stating that he would change my payment date from the XX/XX/XXXX to the XX/XX/2019. To this day of XX/XX/2019 My date has not been changed. I have reached out to Mr XXXX a total of two times Friday XX/XX/XXXX and today XX/XX/XXXX to resolve this matter as well as Ms XXXX who is on vacation until the XX/XX/XXXX. On that conversation with Mr XXXX I informed him that I would not be able to make the XX/XX/XXXX payment until XX/XX/XXXX. He said that would be fine as I am changing the due date to the XXXX of each Month. The company is shamming me, and now I will have another late payment on my report due to their lies!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 Reported on XX/XX/XXXX {$6600.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reason Ownership : I have no knowledge of this account. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 
If you're not satisfied with these results you can go to TransUnion 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask TransUnion to add an explanatory statement to your credit report. 
Want to take it offline? You can print the Request for Investigation form and  mail it to the address below. 
If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file 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
Consumer complaint received 2021-04-06
Company: Skrill USA, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I took the bait of a fraudulent email purportedly from XXXX XXXX regarding a change in my subscription. I spoke to one XXXX XXXX in the Security Department at the number given ( XXXX ) who explained that the charge had been activated accidentally. I provided him access to my checking account ; but he transferred {$500.00} from it to Skrill instead. So I called XXXX, which pronounced that a scam. ( XXXX case no. XXXX. ) Skrill stated in a XX/XX/XXXX email that the transfer would be cancelled and that amount would be refunded to my bank account. On XX/XX/XXXX, Skrills XXXX confirmed that the transaction had been cancelled and the funds were still in the U.S. On XX/XX/XXXX, I received another email from Skrill, which reiterated : Your money transfer to XXXX XXXX has failed. Your deposit will be refunded. ( Transaction XXXX ) .It further stated in a footnote that any remedy against Skrill would be a refund of the transaction amount. 

By XX/XX/XXXX, however, Skrill still had not issued the refund, so I called again and was told to expect a response by email. On XX/XX/XXXX, I was notified that my account had been closed. Additionally, we have applied an administrative fee for the amount of {$50.00} leaving your balance to be XXXX USD. 

Instead of such blatant malfeasance, I expect Skrill to refund my {$500.00} in full without further delay.

Company response to consumer: Closed with explanation