BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: WELLS FARGO & 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:
I have fallen victim of identity theft as a result of the 2017 XXXX  breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts. I have tried countless of times to call XXXX  to no avail. Their website is down and I am unable to properly dispute on their page. They're responsible for my identity theft.

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 2020-12-18
Company: VW Credit
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I traded in a XXXX XXXX on a new XXXX. The day I traded I went online to VW credit and logged into my portal and pulled a pay off good for two weeks. The pay off did not state that it was specific to myself or a car dealer. It simply stated the pay off amount and residual value of the car. We gave XXXX our pay off quote and closed a deal. It turns out the XXXX dealer never called VW to get a payoff but simply went with my quote. 1.5 months later VW sends a short pay off letter to XXXX. XXXX then demanded I pay the XXXX shortage in one week. When I started making calls it turns out that VW only honors if the pay off if I am buying the car out right. Since the dealer was buying the car and keeping it they say they don't have to honor the written agreement that I had with VW. They quoted XXXX XXXX more than my payoff. However the pay off quote I have states nothing to this fact nor will they send me something in writing to this fact. I am confused how a finance company can give out different pay off numbers to a third party when it was my car to trade in if I wanted with my terms intact. Is this common practice and legal? If the pay off sent to me did not disclose this fact how can they change numbers after the fact? The mgr in VW finance said the payoff should have stated this but I have the written doc from them and it states nothing about this. Seems super shady and illegal. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CREDIT BUREAU OF LEWISTON-CLARKSTON, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I went to court with my apartments and got any and all damages waived as well as any monetary damages yet they sent me to collections for XXXX dollars and I had sent them the transcripts from the final court date and the order and they keep rewording and interpreting what the judge said to say that I still 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 2020-12-18
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Transworlds Systems. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Square Inc
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased a pair of sneakers in XXXX XXXX XX/XX/2021 using card ending XXXX and used my cashapp card and pin the item was not in stock so it was going to be shipped to me. The iten never arrived and the shipping store did not opt for shipping insurance. XXXX requires insurance on high ticket items. The local store did not fill the order and my card issuer cash app refuses to refund me my money or replace item or file dispute I have been asking them for 5 months for resolve they keep giving me different responses 0 help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Experian Information Solutions 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:
I have contacted Experian more than 10 times concerning XXXX  information on my consumer report and inquiries that I did not give written permission to be performed. I have requested that they respond by mail and they have not done so. They have violated me according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681q. Obtaining information under false pretenses.

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 2020-12-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against WAKEFIELD AND ASSOCIATES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
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: Was not notified of investigation status or results

Complaint:
I have been ton my credit for several months. Please update and remove all unverifiable and un authorized information off my credit report. This is a violation of my rights

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 2019-05-16
Company: American First Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2018, financing for furniture through XXXX XXXX here in XXXX, Florida was obtained through verbal agreement and one signature for delivery service with a salesman. Financing was to begin XX/XX/2018, through American First Finance, in the amount of {$380.00} for 6 months until furniture was paid off. After said 6 months of payments had passed we were informed another {$5000.00} was due in FINANCE FEES AND THAT THIS WAS AGREED UPON BY ELECTRONIC SIGNATURE. None of this ever happened. No documents were ever disclosed, provided, or any other way conveyed. Terms and conditions of an unbelievable {$5000.00} finance fees were absolutely never mentioned, and no further information was ever provided other than a paper with payoff amount and amount of monthly payment, which is taken out automatically. When electronic signature page was requested, in no way was this his signature, electronic or not. Never before have seen an electronic signature in this fashion. Purchase was made through XXXX XXXX here in XXXX, Florida. Complaint against them as well as American First Finance Company. Both establishments have been contacted and we have been summarily and rudely dismissed stating that " maybe we just forgot '' about the financing!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I the consumer did not consent too nor authorize these inquiries that are reporting to my transunion file. I did not give my permissible consent to any of these corporations to obtain my consumer report from my transunion file. TransUnion did not have my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Per federal law states that any corporation whom willfully fails to comply with the requirement of 15 USC 1681n is liable to the consumer in the amount of {$1000.00} per section 1681 ( n ) ( a ). Transunion sold my credit file to these corporations without my consent. I sent Transunion an identity theft report with a bill and a copy of my Driver License via certified mail. Is Transunion above the federal law? How are they able to share my consumer report without them contacting me for consent. Transunion humiliated me to the public and damaged my reputation.I never knew a third party agency whom is not government affiliated can be above FEDERAL LAW. Transunion decreased my credit score because of these unauthorized inquiries.I did not benefit from any of those inquiries Im requesting TransUnion to provide me with a copy of an application with both parties signature. I am requesting for a senior executive produce an affidavit of truth stating that I granted Transunion permission to furnish or share my consumer report, and have it notarized by the senior executive stating that I gave them permission to share my private information ill accept the inquiries. If not I demand all of the inquiries be blocked and removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I viewed my credit report and found this company, Wakefield & Associates, had entered a negative mark on my credit. I have not received anything from this company in regards to a debt being owed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The purpose of this communication is to advise the collector Hunter Warfield that the debt you are trying to collect do not, and should not exist, because I notified XXXX the manager at XXXX XXXX  XXXX that, I could no longer reside in the community, because of the fact that I was the victim of a car burglary, and I no longer felt safe, as a senior citizen living in XXXX. XXXX told me that I could live out my deposit if I cleaned the apartment, and this was done. 
I also told her was that I had came into contact with a criminal that I knew from my previous employment, at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and he had made a verbal threat on my life. XXXX told me, and I understood that she could not evict a person because of the fact that they had previous involvement in a criminal life style. 
Therefore, I told her that I would have to move, because I feared for my safety, and on the day that I moved I went to the office, along with one of two of my former co-workers and turned in my key. Several years later, I started getting calls from Hunter Warfield about a debt I owed to XXXX. This debt should not exist because I made sure that I took a witness with me for this specific reason, and he is willing, and available to testify in court if needed. 
As far as the criminal I did not take the time to find out if he was a resident at, or if he was visiting a resident in the community. I know that at my age, I was prepared, and had would have had to use deadly force to protect, against him, and I did not want a public trial, because this would have led to even more scrutiny, and me having to move again. Therefore, I would like the CFPB to publish this description of my response to Hunter Warfield claims, because I feel that, if there was a problem with my actions, XXXX should have stated them to me when I turned in my key. if they continue with their unwarranted contact I am prepared to go to court with a witness to provide direct evidence of my lst contact with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Experian Information Solutions Inc.
State: MO
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:
There's unknown and unauthorized inquiries on my credit report inwhich I did not consent to therefore I would like them removed immediately, and if these companies can not give me physical documentation of such then as stated within the FCRA law, the following inquiries shall be deleted/ removed. ( 1 ) XXXX XXXX XXXX XXXX , XXXX, XX/XX/XXXX, ( 2 ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, ( 3 ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, when I spoke to the XXXX XXXX she said since it was a XXXX voice that's all that matters, un acceptable excuse.

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 2018-01-30
Company: EQUIFAX, INC.
State: TN
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 contacted Equifax several months ago and asked if the would remove information that is not mine. Every time I dispute it they never removed it even though I have submitted all the necessary documents even a police report and a letter from the District Attorney explain that I was a victim of Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been ton my credit for several months. Please update and remove all unverifiable and un authorized information off my credit report. This is a violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Ocwen Financial Corporation
State: NV
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Pacific Credit Exchange Corporation
State: AZ
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:
On XX/XX/XXXX i spoke with XXXX XXXX regarding an outstanding balance for a car that was reposed XX/XX/XXXX. He asked if i had been contacted by a collection company named Pacific Credit Exchange i informed him i had not. He offered a settlement in the amount of {$2800.00} that was required to be paid XX/XX/XXXX in full in exchange for the account to be deleted from my credit. As agreed i paid the the balance contacted XXXX and he had the account removed. Two weeks after the removal, Pacific Credit Exchange ( collection company ) reported the original balance of {$9900.00} as unpaid and is refusing to remove this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

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 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX has furnished information to Transunion, XXXX  and XXXX  of an alleged debt. I don't believe either of the 3 bureaus conducted an independent investigation as required by law after I disputed the alleged debt. Instead they each chose to accept a home depot statement as proof when I asked for specific documents validating the alleged debt, including a signed contract. Transunion, XXXX  and XXXX  were each send a request to investigate the account for accuracy and a letter requesting the method of validation after they conducted their investigation. Even after a Estoppel by Silence letter, XXXX has failed to provide proof that I owe the debt to them. They also have not removed the account from my consumer report as also required by being validated.

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 2019-09-11
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2019 I was diagnosed WITH XXXX XXXX AND was sent to the University XXXX XXXX XXXX for treatment. I spent a total of 50 days in the hospital. I have not worked since that period. XXXX pays my COBRA and meds ( most ). I was put on XXXX but haven't received a check after six months. I have contacted Bull City Finical and if you take note all billing is for the same date ( XX/XX/2019). I filled out the paperwork and submitted it to XXXX for aid if I owe them. It is pending. 

I have work hard to repair and rebuild my credit only to have it drop by 76 points..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit rating has been damaged by perjurious allegations made by Wells Fargo, a company that gave me negative marks for not paying the monthly service charges on an unauthorized and empty checking account. Said checking account used to be authorized, but Wells Fargo refused to shut it down when I no longer needed it or wanted it. Wells Fargo has a well-documented history of trafficking in unauthorized bank accounts.

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