BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been going through my credit report and found that lvnv funding llc has been reporting incorrect data to the credit bureaus as I disputed with the credit bureaus only the experian was removed the other two came back as verified, there is multiple things incorrect in the reporting of this debt including that lvnv funding reported themselves as the original creditor. This needs to be removed from my credit report I will be seeking litigation as it is my right to have a fully correct credit report as stated in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: The CBE Group, Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was called by cbe asking for the last 4 digits of my social security number to confirm I am me so that they could discuss some debt. The repeated the last 4 digits of some social security number and wouldnt say who they were until the 6 time asking. The auto-generated number they used was ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
this complaint is based on the response from the company in regards to complaint # XXXX that response is a forgary. the company admited fault for not disclosing and requiring the insurance prior to closeing and acnoledged that within the first 3 weeks of closing that insurance was needed. in regards to the companys response it has been proven that the values listed by XXXX in the response is a fraud and does not reflect the origonal loan application. i then asked wellsfargo through secure messaging for my loan application. i then asked XXXX who was handling my issue and sent the fragulent response for the same document. wellsfargo sent me the one i signed in person. XXXX sent me one that he altered and put my electronic signature block in makeing it not only another fraud trying to cover up his mistakes but a forged signature. before adding the wind insurance which then was around 2700 a year my liabilitys were XXXX in the response with the added wind insurance it states it was XXXX and equaled a debt to income ratio of 40.07. they used those values becuase on my application my liabilitys of XXXX would be over 41 % debt to income ratio. this means they they had the knowledge that it was not exceptable for lendingeven before the house closed but to get the comission they pushed it through. using the values of the loan application and adding the wind insuance of XXXX a month which comes too XXXX which is way above the debt to income of 41 %. and now to make things even worse that wind value was before hurricane season. as of today the wind insurance jumped to XXXX which will be alot higher debt to income ratio. wells fargo sent cpfb a fragulant response after admiting they didnt disclose the right info before closing and proved that my debt to income was not acceptable before the loan closed but pushed it through to get commission. this extra insurance if the rate does not change for 29 years is over 95k which i would never had agreed too.

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 2022-08-14
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the fair credit reporting act, 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 : also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2018-01-16
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
I have 12 student loans from fed loans account and one from XXXX that keep appearing and that i am no longer liable for on my credit report Open dates for fed loan XXXX XXXX, XXXX ( 13 yrs, 11 mos ) XXXX XXXX, XXXX ( 13 yrs, 2 mos )  XXXX XXXX, XXXX ( 12 yrs, 1 mo ) XXXX XXXX, XXXX ( 12 yrs, 5 mos  ) XXXX XXXX, XXXX ( 6 yrs, 8 mos ) XXXX XXXX, XXXX ( 7 yrs, 4 mos  ) XXXX XXXX, XXXX ( 6 yrs, 8 mos ) XXXX XXXX, XXXX ( 7 yrs, 4 mos  ) XXXX XXXX, XXXX ( 6 yrs, 8 mos ) XXXX XXXX, XXXX ( 6 yrs ) XXXX XXXX, XXXX ( 6 yrs ) XXXX XXXX, XXXX ( 5 yrs, 4 mos ) Open dates for XXXX XXXX XXXX, XXXX ( 11 yrs, 2 mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I never received a move out bill from XXXX XXXX and when I contacted XXXX XXXX they had no proof they sent me a bill. I asked XXXX XXXX how much was owed and promptly paid it. XXXX XXXX received the cashier 's check and cashed it to settle my bill. 
When IQ Data contacted me, I explained the problem and sent them a copy of the cashier 's check but they ignored me. IQ Data 's problem is with XXXX XXXX not me. 
IQ Data reported this as a collection account even though it was paid. I feel they did this just to harass me. I have corrected this error with XXXX, XXXX and now I'm in the process of correcting it with XXXX. This should never have been reported to the credit bureaus.

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 non-monetary relief
Consumer complaint received 2018-03-23
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  shows an account open with XXXX XXXXXXXX XXXX   which is now TD Bank. I have tried to resolve this issue but I am getting no where with TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Santander Consumer USA Holdings Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
Hello I tried several times to have my loan with Santander resolved after they unfairly repo my vehicle on XX/XX/XXXX, fortunately, recent my Attorney general from the state of California announced that a settlement has been reached and Santander has agreed to remove all negative information from my credit report and completely paid off any amount of money that was owed to them, I tried to speak to someone at Santander but they have not answer nor return my call.

Please see the below as a reference https : //oag.ca.gov/news/press-releases/attorney-general-becerra-announces-over-550-million-settlement-against-nation % E2 % 80 % 99s https : //oag.ca.gov/system/files/attachments/press-docs/PPL % 20v % 20SCUSA % 20Complaint.pdf https : //santandermultistateagsettlement.com/Home/portalid/0 California Attorney General XXXX XXXX today, along with a coalition of 33 other attorneys general , announced a multistate settlement with Santander Consumer USA Inc. ( Santander ) that includes over {$550.00} XXXX in nationwide relief for consumers ; California consumers will receive over {$99.00} XXXX of that amount. 

As part of the settlement, Santander will provide over {$99.00} XXXX in relief to thousands of California consumers who Santander approved for its abusive high-cost loans. Consumers with the lowest quality loans who had defaulted as of XX/XX/XXXX, and have not had their cars repossessed, will be allowed to keep their car and have any deficiency balance on the loan ( up to a total value of {$45.00} XXXX in deficiency waivers nationwide ) waived. Santander will also waive the deficiency balances for certain defaulted consumers across the country, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buyback.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: LA
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:
The Accounts On My Equifax Report Were Removed Between XX/XX/XXXX-XX/XX/XXXX, But It 's Showing The Have Now Been ReAdded Between XX/XX/XXXX- XX/XX/XXXX. These Accounts Need To Be Removed As Soon As Possible. I 'm Confused As If Equifax Or XXXX XXXX Is Having Problems With Their System Again. Also I 've Sent Letter For My Address To Be Update And I Still Have Got A Repsonse Nor Has It Been Updated. I 've Constantly Called Them. Also I Did n't Receive Any Type Of Notice That Those Accounts We 're Going To Be ReAdded. There 's Two Accounts " Original Creditors, " Called XXXX XXXX XXXX, And An Account Called XXXX XXXX XXXX La.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: WELLS FARGO & COMPANY
State: MD
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:
I recently was denied an extension of credit due to inaccurate information being furnished to my credit report by Wells fargo which has ruined my reputation. Wells fargo privacy policy does not supersede federal law. Congress has made it clear that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Wells fargo 's failure to maintain the integrity of my nonpublic information has caused me substantial harm and inconvenience to my financial reputation due to fraudulently furnished late payments without my lawful authority. Congress has also stated that unfair credit reporting undermines public confidence, which congress has made clear, is essential to the continued functioning of the banking system. Pursuant 15 U.S. Code 1666b ( a ), A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. My initial letter, which was received by Wells fargo on XX/XX/2022 ( Tracking # : XXXX ) Wells fargo has failed to provide me with proof such as a tracking number or a certified mail return receipt bearing my wet signature that they adopted reasonable procedures to insure my periodic statement was delivered to me no later than 21 days before the payment due date, these alleged late payments must be removed. Wells fargo has violated federal law and spread negative information about me in an attempt to coerce me to pay an alleged debt. Wells fargo has sold my customers private information and misrepresented facts of contract in an attempt to extort me. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. I am demanding the following late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment is submitted to the credit reporting agencies immediately in order to prevent me from receiving more harm as a result of the fraud that has taken place. If not I will have no choice but to escalate this up to the attorney general and I will point out just how deep this fraud goes and how Wells fargo and the credit bureaus have been working together to commit fraud and violating the privacy of millions of its customers. Such acts on a grand scale is grounds for investigation according to The Racketeer Influenced and Corrupt Organizations Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an ex employer that is causing problems with my credit. None of the information given by him to anyone is authorized. It is happening with all three credit companies. I tried to complain to CFPB but the complaint was deleted due to addresses not included. My so called report has over 20 uncorrected mistakes. These mistakes take one second to make and months to correct. They have these rules that we as citizens are supposed to live by. They are actually trying to control how we live day to day. My score goes down with every move that I make at banks and other lending institutions. The complaint is that they are not supposed to lower my score when I am looking for a mortgage or re finance or auto loans if the inquiries are within 45 days of each other. Soft credit pulls are not supposed to effect credit, but they do. My score went from over XXXX to XXXX over a period of 3 months. I want all errors corrected an to eliminate these predatory XXXX from my life. I DO NOT WANT A SCORE OR A PHONEY REPORT.

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 2017-10-16
Company: Experian Information Solutions 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:
I HAVE ATTACHED MY DRIVER LICENSE FOR NAME SPELLING AND ADDRESS PROOF. ON MY CREDIT REPORT I HAVE FRAUDULENT NAME SPELLING AND ADDRESSES ALSO SOCIAL SECURITY NUMBER VARIATION THAT IS NOT MINDS. I EVER GAVE ANY ONE CONSENT TO USE MY PERSONAL INFORMATION IN ANYWAY. I HAVE ATTACHED MY CREDIT REPORT WERE THE FRAUD IS SHOWING.

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 2021-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Ive been a Bank of America   Customer for over ten years & this is the second time Ive had to file a complaint to get an issue resolved. One would think that they would value their customers more. On XX/XX/2021 I allowed my wife to use my credit card in the amount of {$5000.00} as a downpayment towards legal services with a company by the name of XXXX XXXX XXXX. The total amount due was $ XXXX that would be made in increments. She made an initial payment of $ XXXX and then another $ XXXX on XXXX the XXXX 2021. Payment would consist of services pertaining to tax restoration, tax filing, trust setup, legal documents & legal assistance. Once my wife got a court date the dynamics of the deal took a turn. We have come to find out these people are fraud and are not able to deliver on any of the above. The group consisted of four individuals. XXXX XXXX ( first contact ) was suppose to handle tax affairs. Her spouse XXXX XXXX was suppose to handle the trust. XXXX XXXX XXXX were suppose to handle legal affairs. XXXX informed me that she recently met the others and to stop paying because they were fraud and were not going to deliver on services paid for. I have attached a thread of text messages. No services have been rendered what so ever. These people are fraud and according to 15 use 78 they are in violation of liability for misleading statements and Bank of America is in violation of 15 usc 1666. I would like my fund returned to me immediately. Bank of America just decided to rule in favor of the crooks, they never even asked me for any proof. After speaking with bank of america they stated that merchant supplied 51 pages of proof for services rendered. The only information they could have supplied is the information I filled out on intuits website. These people are a fraud and cant possibly think I would ever try to do business with them ever again. case numbers for bank of america XXXX & XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors,  employers, financial institutions, and a host of others.

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 2022-01-10
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Experian Information Solutions 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:
XXXX  ; Experian and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact these accounts are in dispute. The accounts are as follows : XXXX XXXX # XXXX ; XXXX/XXXX  # XXXX ; XXXX  # XXXX ; XXXX XXXX # XXXX ; XXXX  XXXX XXXX  # XXXX ; XXXX # XXXX ; XXXX XXXX  # XXXX ; XXXX XXXX  # XXXX ; XXXX XXXX # XXXX ; XXXX  XXXX  # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX NA # XXXX ; XXXX  XXXX  # XXXX ; XXXX  XXXX # XXXX ; XXXX XXXX  # XXXX ; XXXX  XXXX # XXXX ; XXXX/XXXX # XXXX and PUBLIC RECORDS accounts. Every single one of these line items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.

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 2018-01-16
Company: Bliksum, LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a loan, for high interest Prior to making my first payment I secured a loan to pay off loan me at a lower interest rate. The second loan company issued a check to loan me to pay off the loan. The check was overnighted however by the time loan me received it more interest had accrued. I had auto payment set up with them so they took XXXX out of my bank account on the original due date. I called them and was told that they could n't apply the check to the account because it referenced it was a payoff and because another day or two of interest had accrued they had to take the XXXX payment out of my bank account. I understand they would need to charge my account for the difference due to the accrued interest but I feel for them to take out XXXX when i did n't owe that much is bad business practice. They received the check on XXXX XXXX my first payment was due XXXX XXXX. They had plenty of time to apply the payment without debiting my checking account. This overdrew my account and I was charged fees by my bank. I called them again and they said they would apply the check to my loan AFTER the XXXX came out and would send me the difference of the overpayment, that 's great but in the meantime my bank account is overdrawn and other payments I made are being returned nsf

Company response to consumer: Closed with explanation