BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I purchased a truck from a dealership called XXXX XXXX XXXX. 

I paid a {$15000.00} down payment and was under the impression that this same mode of payment would be used on the payments moving forward. When I asked if the payments were on auto-pay, I was told, " That is all set up with the lender ''. Which seemed to mean it was already set up however I was unaware of the fact that this dealership doesn't actually know which lender they are going to use at the time a vehicle is purchased. They spot deliver the vehicle and then go shopping for loan rates ( you can see in the attached file my truck was purchased on XX/XX/XXXX but the loan wasn't opened until XX/XX/XXXX ). 

The address the dealership passed onto Wells Fargo ( the bank lender that ended up providing my loan ) was incorrect and so I never received the mail of my opened account with Wells Fargo ( Wells Fargo confirmed the mail was being returned to them and that they never sent emails, they did have a record of calling out to me but never made contact with me because I am suspicious of random phone numbers and they ). I did not know I had anything to do with Wells Fargo until a collections person reached out to me on XX/XX/XXXX after my account was already reported as delinquent. 

Because the moment I received contact from Wells Fargo ( XX/XX/XXXX ) and was made aware of the loan I had with them I paid the one late payment and current payment and have kept my account perfectly up to date, they have waived my late fee but would not remove the delinquency from my credit report. 

I should have made myself aware of the fact that the payments weren't being taken from my account. 

However, due to the following everything seemed to be taken care of. 

-I was under the impression from the dealership that I had already been set up with the loan. 

-I was led to believe by the dealership 's specialist it was on autopay. 

-I never received notice of a new loan account being opened. 

I never received notice of payment needed. 

I never received notice of a late payment... 

Once I did get contacted, the payment was made immediately. ( ON XX/XX/XXXX ) I have been current with any and all of my accounts. I strongly believe it is clear that this situation was a mistake from multiple angles and it misrepresents my credit history for a delinquent account to be listed on my credit score. 

I also included a screenshot that you can see that all payments have been made since I was made aware of the account and look at all of the account details.

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 2017-09-28
Company: COMMUNITY CHOICE FINANCIAL, 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:
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All Inquires were submitted without my permission.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
there's an account reporting on my consumer report with the amount of {$1600.00}. 
Date open XX/XX/XXXX. XXXX reported XX/XX/XXXX. This notice is to inform you that the buraus unlawfully reported an unauthorized account in my consumer report. Under the consumer law 15U.S.C 1681 ( b )

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 2022-04-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received any information from this company about both debts on my credit and who it is from. This seems be fraudulent account with no proof or notification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, 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:
I am filling this complaint by myself, for myself, this is not being done by a third party, nor is this a duplicate. My information was misused and now i have false accounts that Equifax is not reporting with 100 % accuracy on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We entered into an order in XX/XX/2015 that included all funds owed to the creditor PHH in bankruptcy court. The agreed amount was {$270000.00}. We constantly get statements that are incorrect. The most current statements shows an incorrect escrow and 6 missing payments although no one at the company will provide a payment history. We were told today that we needed a lawyer in order for them to speak with us. I have been interacting with them for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: IL
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 Account # XXXX, XXXX 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 an 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 explanation
Consumer complaint received 2017-07-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I 've called and written in to XXXX XXXX XXXX several time in which I have proof of signature of documents sent. I have one XXXX card account however a duplicate account is appearing on my Equifax credit Report only. XXXX and XXXX have one account and the correct info etc. I have asked XXXX to review the duplicate account that reflects incorrectly a credit limit of {$300.00} with a balance of {$420.00} over the credit limit. In addition the correct account does reflect with my credit line currently at {$1100.00}. I have been disputing this information with both Equifax and XXXX and received response that the duplicate over the limit account is correct. However when I call into customer service I am told its incorrect. None the less after writting to XXXX Legal department and Credit Line department I received a letter dated for XX/XX/XXXX inwhich I am attaching a copy to this file. Its stating from XXXX that they found the account to be a duplicate and have notified the credit bureaus to remove the duplicate account. I have waited well over 30 days going currently 45 days at this point and time and no update have been made. I am in the process of seeing to purchase a home and the mortgage company is questioning about paying down my over the limit XXXX Credit Card. I am not able to because its not correct and this is killing my credit score per the credit utilization reporting. I have spoken to several supervisor at XXXX. The last supervisor was very helpful but finally called me on XX/XX/XXXX to informed there is nothing more she can do for me. This is unacceptable when clearly XXXX had admitted to fault and have not fix the mistake and hardship they have caused me. Her name is XXXX and her phone number at XXXX is XXXX direct. <P/><P/>thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: EQUIFAX, INC.
State: MI
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:
In early XX/XX/2020, I disputed all 3 credit bureaus ( Equifax, XXXX and XXXX ) on my bankruptcy under public information.I disputed because the 10 years of Bankruptcy is over and I wanted it removed from my credit reports.After Dispute investigation, XXXX, Equifax, XXXX was deleted.Since then I have applied for credit and was denied. I discovered Equifax HAS NOT removed the Bankruptcy from my credit report.I have tried to get it removed but was unsuccessful.I do know XXXX and XXXX has removed it from my credit report ( s ) but cant understand why Equifax will not remove Bankruptcy from my Equifax report.Because they wont remove Bankruptcy after 10 years, It continues to be damaging to my credit and score.Also, how can Equifax say in there Investigation results Dated XX/XX/2020, that disputed item is not currently reporting on the Equifax credit file and turn around and say on XX/XX/2020, A discharged Chapter XXXX bankruptcy remains on the credit file for 10 years from the date filed.Also, when I called them they did say over the phone the credit item/tradeline has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Capio Partners called my worked number and my cellphone numbers multiple times don't leave a message or anything does it on a daily basis from different phone numbers XXXX & XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello and thank you for your services, I'm contacting you with some trouble that I'm having with XXXX XXXX XXXX from an urgent care facility that has since been turned over to a law firm that the collection was sent to. First and most importanly, this bill was not acquired by me but someone else who apparently stole my wallet and/or information to open this account.and secondly they have charged my credit 2 times in the same day for the same service but a {$1.00} difference between the two amounts owed and seperate account numbers, so I'm assuming they double billed me for services rendered in my name.And the third problem I have is its supposed to be illegal for them to pay a collector to come after me, and the third problem is medical is not supposed to be on my report.I super appreciate your help and expertise you can offer. 
Sincerely : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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 an account without my written instructions.

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX, 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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 an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX, 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX, 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 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 2020-02-10
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:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXX XXXX XXXX, XXXX, XXXX XXXX AND XXXX  XXXX XXXX XXXX. I have contacted the FTC and the XXXX Police department.

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 2021-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I noticed XXXX fraudulent charges on my Bank of America XXXX  XXXX Credit Card. These charges were made on XX/XX/2021 to SXXXX XXXX in the amounts of {$1500.00}, {$1300.00}, and {$970.00}. I reported these charges as fraudulent to Bank of America. I received a letter from BoA dated XXXX stating that the claim had been resolved in my favor. Next, I received a letter dated XXXX that stated that the merchant had provided documentation confirming my receipt of the merchandise or service. This is not possible. I absolutely dispute that I ever made these purchases. I have no knowledge of them. I neither made these orders nor received anything from this company. So, I sent a letter to BoA requesting a copy of the documentation provided by XXXX XXXX. They replied with a letter dated XXXX again stating that the merchant had provided documentation, but they did not provide me with any proof or copy of this documentation. I have hired a lawyer who has sent them a letter requesting the following : Name and address of the purchaser Address or email address where the tickets were sent Relevant device information relating to the purchase Originating IP address Date and time stamp Device signatures Browser ID Country of origin Mac number I have been a customer of BoA for decades. I have never made a purchase of thousands of dollars worth of tickets to anything. BoA should have flagged the purchases as anomalous, notified me, and backed me up against the criminals as I am their customer. I am a respected, law abiding member of my community. Please help. Thank you.

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 2018-04-04
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Back in XX/XX/XXXX my student loan was up for recertification with the income base program. I send the documents requested and they send back and told me they need more information. I send my tax return as requested. I did send the required deadlines however XXXX decided to charge me full scale rate despite I am in the income base program. I am making my regular payment as my plan suggested however XXXX is charging me one month payment of XXXX for the month of XX/XX/XXXX. I expressed to XXXX on several occasions that I can not afford that payment but yet they still threaten me to revoke me from the income base program. My credit is now affected because of XXXX despite I am marking the payment I am requested to pay. When I complain about the huge payment I was told that I have to pay that large payment for that month. I asked why wasnt the payment be on hold due to my paperwork in progress and I was told by one worker that they dont know why it was not forbear but I have to still make the payment. I am at my breaking point with XXXX at this moment and I need your help to handle this matter. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a few items that I need to review for some legal proceedings. I would like a a full report and my full XXXX  from XXXX XXXX. Please forward me a copy of my Sage Stream and XXXX XXXX reports as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: AmeriHome Mortgage Company, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage was paid in full on XX/XX/2019. According to AmeriHome prerecorded message any refunds will be processed within 20 days ( not business days ). Today is day 21, and I still have not received my escrow refund of {$1800.00}. I've emailed and called customer service. I always get a " canned '' response that it takes between 20-30 business days to issue a refund of MY escrow funds. Why does it take so long to issue a refund? Why is the message given to the consumer not the same as the prerecorded message? Why does it take so long to issue a refund? This money does not belong to the mortgage company.

Company response to consumer: Closed with explanation