BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: VW Credit
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I financed my car through Volkswagen credit in XXXX in XXXX County Georgia. I am XXXX XXXX military and when I attempted to register my Vehicle in Texas ( new duty station ) I was told I needed a copy of my title. 

I contacted Volkswagen credit in XXXX requesting a copy of my title for registration. They told me that the title was a digital copy and would take 20 business days to process. I called back on the XXXX ( XXXX ) business day for an update. They told me that there was a hold on my account in Georgia that needed to be removed and that it would now take another 20 business days to receive the title. I called again on the XXXX business ( XXXX ) for an update. They stated that they had not requested the title to be sent yet and it would take another 20 business days. I called again on the XXXX business day ( XXXX ) and still no one has any idea where the title is. I confirmed with the Georgia DMV that they sent it to Volkswagen credit XXXX XX/XX/XXXX. I have called VW credit every week since asking for an update and am either hung up on, told they will call me back ( they never do ), or asked to give them more time. 

Additionally, as previously stated I am XXXX XXXX military and just XXXX XXXX from XXXX  to XXXX  State. I was told I can not close out my travel voucher ( est. {$4000.00} in reimbursement ) until I am able to register my car ( which has been unregistered for months now ). 

Bottom line, I just need help. I have waited 4 months and spent at least 16 hours on the phone to get a copy of this title ... all just to register my vehicle. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I feel this company participated in unfair and misleading practices, I feel I have been discriminated against in reference in lending, and I feel they have violated a federal consumer protection laws and regulations. I applied for a refinance loan, and I was advised I would receive the amount I asked for. I qualified in every way, my credit score is high, my equity in my home is high, my income is high, and there was no valid reason for denial or than my ethnic race. I was asked what nationality I was and I provided it to them and I was shortly denied the loan. I called numerous time to get a fair explanation and they could not provide a reason. I even tried to speak with a manager and I was unable to get though. The person processing my loan was not clear on the denial as well. 
The credit decision was inaccurate because i score above a XXXX credit score, My income in good because i have a full time job and XXXX rental properties that bring in income. I feel something was done wrong while in underwriting and no one has been able to explain why. This transaction started XXXX the Refinance would have pulled out {$60000.00} of equity and i have about {$15000.00} in equity. my payment would have only went up {$100.00} and they ( underwriting ) claim i can not afford that. which is odd because i have more than enough income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: DC
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:
AN UNAUTHORIZED CREDIT INQUIRY SHOWED UP ON MY CREDIT PROFILE FROM XXXX AND I IMMEDIATELY CONTACTED EXPERIAN TO NOTIFY THEM ABOUT THE ISSUE AND THEY REPEATEDLY TOLD ME THAT THEY WOULD NOT DISPUTE THE INACCURACY. I CALLED MULTIPLE TIME AND EACH REPRESENTATIVE IN THE FRAUD DEPARTMENT REFUSED TO HELP ME AND REMOVE THE UNAUTHORIZED INQUIRY ( NAMES OF TWO REPS XXXX, XXXX  ) -TWO REPS REFUSED TO GIVE ME THEIR NAMES AND THE TWO THAT DID WOULD ONLY STATE THEIR FIRST 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 2017-11-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I refinanced my home loan with Wells Fargo ; unbeknownst to me this was in fact a predatory loan. I made payments to this loan all the time while my principle balance was increasing. As my minimum payment increased due to the adjustable rate I could no longer afford a payment of {$2400.00}. In the fall of XX/XX/XXXXI was approved for a HAMP modification in which I made all 3 of my trial payments but according to Wells Fargo I did n't send back the proper " signed '' paperwork within a given time period therefore they denied me this loan. I waited a few months then applied for a modification in XX/XX/XXXX, I was approved for a modification of my home mortgage and completed one trial payment in XX/XX/XXXXbut on XX/XX/XXXX I was injured on my job and have become XXXX XXXX. I reached out to Wells Fargo to ask them to postpone my trial payments until my workers compensation lawyers could straighten out my financial situation with the insurance company but they denied me and in XX/XX/XXXX they then denied me the modification loan. Wells Fargo proceeded with a foreclosure of my home in XX/XX/XXXX, I had filed for bankruptcy in XX/XX/XXXX and by XX/XX/XXXX my workers compensation lawyers have been able to get an appeal on my compensation claim and I am now in a stable financial condition to apply for a modification to show and prove income with less debit ratio but Wells Fargo is denying me any application to apply for a loan modification.

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 2018-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I didn't authorize the inquires

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 2021-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, The reason for this letter it to dispute an unauthorized collection on my credit report. On XX/XX/2021 I retrieved a copy of my credit report and discovered a collection account with Capital One Bank Credit card that I have no knowledge of. 

I have reached out to Capital one several times and have gotten no where. I advised them that this was not my debt and to removed this debt from my profile. 


Thanks in advance for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Nelnet, Inc.
State: MD
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:
XXXX has not responded to numerous complaints about an error on my report. This has made it impossible for me get approved for a home in XXXX, where my family is. The loans on my report are double what I actually owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 120 days late marks which is a clear violation of my right under the FCRA. he company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Select Management Resources, LLC
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I took out a title loan with LoanMax in XXXX WI. My payment was 7 days past due and I had previously spoken to one of their Representatives ( last week ) about the fact my payment was going to be late. I received a call from them XX/XX/XXXX at XXXX. from their number XXXX and was on another call so I was unable to answer. Within 5 minutes I received a text from my son in CA whom I had put down as a reference when taking out the loan that he had just received a call from a XXXX about my car and they are looking for me. No more than his text came in and my other son whom I also put down as a reference ( they required 4 references and my boss 's name and phone number as part of the application ) and he stated the same thing that someone is trying to get a hold of me about my car.

I find this collection practice extremely predatory and intimidating as it is designed to embarrass you if you are a miniscule late with your payment or not immediately available to answer their phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: UT
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 disputed the account XXXX act # XXXX*with XXXX, Experian and XXXX  and the fraudulent, incorrect information is still there. 
They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX XXXX  account XXXX with XXXX, Experian and XXXX  and the fraudulent, incorrect information is still there. I do not know who XXXX XXXX account XXXX is. I have never signed an agreement with XXXX XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX account XXXX with XXXX, Experian and XXXX  and the fraudulent, incorrect information is still there. I do not know who XXXX account XXXX is. I have never signed an agreement with XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX/XXXX/XXXX  account XXXX with XXXX, Experian and XXXX  and the fraudulent, incorrect information is still there. I do not know who XXXX/XXXX/XXXX  account XXXX is. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE ERRORS STILL EXIST

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 2021-06-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert of a hard inquiry on my credit that I did not authorize. The inquiry was on XX/XX/2021 with XXXX Bank. It is on the Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a {$100.00} prepaid XXXX issued by XXXX XXXX XXXX XXXX in XX/XX/XXXX.  Turns out the card was already compromised in XX/XX/XXXX ( according to U.S. Bank ) by a fraudster, who unloaded the value of the card in XX/XX/XXXX, soon after I purchased the card. After I became aware that the card had XXXX balance on it, I called U.S. Bank to find out what was going on. U.S. Bank refused any responsibility, claiming it had advised me in an XX/XX/XXXX phone call that re-activating the card carried the risk of exposing it to fraud ( in fact the very person they were talking to was the fraudster - the card value was unloaded the following day ; I even provided evidence to U.S. Bank to show that I was in Hawaii, not anywhere near where the fraud was perpetuated in XXXX California, at the time of the phone call and unloading of the {$100.00} ). On XX/XX/XXXX, I provided all information requested by U.S. Bank to dispute the fraud by fax. I had no response from U.S. Bank and called back two weeks later. In repeated phone calls since then, U.S. Bank would only tell me that it was being researched, or that someone would get back to me, or that I was out of luck because I had already been advised about the risk of re-activating the card on XX/XX/XXXX ( when in fact they were talking to the fraudster ). Although I have provided all requested information, U.S. Bank continues to give me the run-around ( now having talked to over a dozen people at U.S. Bank ) rather than any action to resolve the problem.

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 2021-10-02
Company: LEXISNEXIS
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:
LexisNexis Risk Solutions violated 15 usc 1681a ( 2 ) ( B ) and 15 U.S. Code 1681 ( a ) ( 4 ). Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ) its clear that that a consumer has a right to privacy, but Congress never defines what privacy is because only I the consumer can define what's private to me. LexisNexis Risk Solutions going out and fishing for negative information about me is an infringement upon a consumer 's right to privacy Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ). Also, the Court doesn't disclose information with no " bureaus '' I included a letter from the court stating this. Next, LexisNexis Risk Solutions did not have Permissible purposes or my written instructions to furnish a consumer report using my non public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the week of XX/XX/XXXX-XX/XX/XXXX I have been receiving debt collection phone calls from Portfolio Recovery Associates about every other day. They don't leave messages, and when I call back they refuse to provide information on the debt that is supposedly owed. I spoke with a woman today who kept trying to dodge my questions and ask who I was and what my phone number was without confirming the name or address of the debtor she was supposedly trying to reach. Authentic debt collectors know who they're contacting so I knew it was fishy when she wouldn't tell me. I asked her to send me a validation letter and she gave me excuses and told me I was " making it a lot harder than it had to be '', for just wanting to confirm I wasn't giving information to a phony company. The most suspicious part is that I don't have any debt so I was very curious what they're trying to do by calling me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11
Company: Resource Management Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phone call was received on XX/XX/2018 at XXXX XXXX PDT and there was reference to a debt owed by a deceased family member. I tried to speak with a representative but only got an answering machine. 

The company is called Resource Management Group and the number they called from is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I deposited a check for {$1800.00} and cash in the area of about {$450.00} in the ATM at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The ATM had a jam and asked to to approximate my deposit. After doing so it credited my account XXXX for a place holder and said it will be resolved in the following business days. After about a week of not getting contacted I reached out to and they told me no clam had been made and they they will make a claim then and told me I will need to contact the ATM department for further information. After contacting the ATM department that credited me the amount I claimed to deposit and said it will be in review for 30-90 days. XX/XX/2020 I get a letter stating that that a review was made and nothing was found. I find it odd that the ATM put a place hold on my account stating that there was a jam and I called in tell them what happened and they found nothing not even the check. I called the ATM department again on XX/XX/2020 and was told a manager will have to contact me. I happened to miss the managers call so i had to call back into the ATM department. After talking to another rep the said that the manager says the findings are final and nothing they can do. Right now Wells Fargo is a thief, the check i can get replaced but someone at Wells Fargo stole my {$450.00} dollars and I will be changing banks immediately. Please do not use Wells Fargo ATM for your safety.

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 2017-12-08
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: Account information incorrect

Complaint:
I did not apply for any new credit or a cell phone account and have a new HARD INQUIRY from XXXX XXXX XXXX on my Equifax report. Please investigate. Thank you SO much!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 disputed the account XXXX act # XXXX XXXX, XXXX and Transunion and the fraudulent, incorrect information is still there. 
They should NOT be on my credit profile. This is fraud. 

I disputed the SXXXX XXXX account XXXX with XXXX, XXXX and Transunion and the fraudulent, incorrect information is still there. I do not know who XXXX XXXX account XXXX is. I have never signed an agreement with XXXX XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX account XXXX with XXXX, XXXX   and Transunion and the fraudulent, incorrect information is still there. I do not know who SXXXX account XXXX is. I have never signed an agreement with XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX/XXXX/XXXX account XXXX with XXXX, XXXX and Transunion and the fraudulent, incorrect information is still there. I do not know who XXXX/XXXX/XXXX account XXXX is. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE ERRORS STILL EXIST

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX XXXX released protected health information to a collection agency for medical billing. By law this is a HIPPA violation because XXXX XXXX XXXX is not supposed to even acknowledge that I am a patient without explicit and written consent from me. Also the collection agency is in violation of HIPPA because they continue to report it after being asked several times to remove the protected health information. Medical bills are protected health information because the bill acknowledges that I was a patient with them which violates HIPPA. I  did not give consent for this information to be released.

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