BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio set collection company keeps calling and sending me letters. The XXXX XXXX debt is over XXXX XXXX XXXX. This has been a discharge, but they keep attempting to collect. 
They have called me non stop, at least 6 calls a day. I feel harassed. I have asked them to stop calling me, they send letters, they continue to call. I have blocked them and they call on other numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-10-22
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: Old information reappears or never goes away

Complaint:
W/F preferred continues to report inaccuracies even after Ive disputed and requested verification. I need to find out the unauthorized charges made. I have disputed with XXXX and XXXX but the furnisher will not correct. W/F even has been using an PO Box that my mail gets returned to sender and the phone number to contact them is disconnected. My rights have been violated and no one has corrected. Specifically, they violated FCRA : Articles 611 : 1 thru 5. 616 : a thru d. 617 a thru b. 623 a1 thru 2. 623 a1 A thru E and 623 b. Furthermore, they violated Article 1022.43, as they failed to correct the inaccuracies.

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 2020-10-22
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
This account is in litigation. Santander exposed me to high levels of risks : a high loan to value ratio, backend fees, high payment to income rations so when the car was totaled the amount due was inflated. 

The initial amount borrowed was on XX/XX/XXXX for {$15000.00} at 27 % for 72 months. I paid {$12000.00} over a period of 3 years. XXXX paid {$7200.00}. XXXX which is a subsidiary of Santander paid {$2600.00}. A grand total of {$22000.00} was paid. They sent a letter for an additional {$310.00} a month for 41 more months. The car was totaled and if it was not for the high interest rate ( 27 % ) the car would have been paid off. I had full coverage and gap insurance. I settled with Santander XX/XX/XXXX for {$3300.00}. 

I have also been contacted by Virginia 's Attorney General about a class action lawsuit against Santander for deceptive practices by specifically targeting vulnerable Virginians who were more likely to default on their car loans, subjecting them to unnecessarily high-risk loans, and misleading them about their rights as consumers. I am one of those individuals those individuals whom were misled. Santander would not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX has been reported on my credit report and the information is inaccurate because I am a victim of Identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12
Company: Experian Information Solutions Inc.
State: TN
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:
I have an account on my credit report Experian and XXXX from XXXX  XXXX XXXX XXXX that was settled in court. As part of the settlement this account was to be removed from my credit report. XXXX removed the account but Experian and XXXX will not. I realize this account has little impact on my credit score but it is the principle that counts to me. 

I worked for XXXX XXXX at the time and they filed bankruptcy and I had to take an {$8.00} an hour pay cut with zero notice. My car got repossessed, I almost lost my house and I had to sell many of my possessions to make ends meet. But I never filed bankruptcy, I paid all my Debts. Its been 12 years and it is still impacting my credit. 

Why is it that the people who filed bankruptcy or simply just walked away from their house have better credit than the people who weathered the storm and paid their bills. 

I ask that you please remove this Item from my Experian and XXXX credit report thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( 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 explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, INC.
State: CA
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:
Equifax has refused and denied to remove unauthorized credit inquiries from my credit report in compliance to the consumer laws under my rights to dispute all inaccurate information. Also I have fraud alert with Equifax and theses inquiries should not have been permitted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Finance System of Richmond, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ORDER- I am demanding extinguishment and a full accounting for both ledgers as i was never given full disclosure of the nature and cause NOTICE OF DISPUTE Dear [ CFPB ] : Thank you for the statement of [ XXXX, XXXX ] that your institution recently sent me, expecting payment for an alleged debt. 

This Notice is to confirm that your claim is disputed under 15 USC 1692 et seq. Please verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration or material alterations, and that the original lender provided value. Further, that the alleged account was transferred in good faith and by the consent of all parties involved. 

After reasonable inquiry I have concluded that [ FINANCE SYSTEM ] is in breach of the alleged agreement. The following facts support my position in this matter : 1. XX/XX/XXXX ] failed to disclose to the alleged consumer XXXX XXXX XXXX XXXX XXXX hereinafter consumer ) that XXXX XX/XX/XXXX XX/XX/XXXX used consumers note, capital, funds, money or money equivalent to fund a note, check or similar instrument that was used to fund the charges on the alleged account, whereby [ FINANCE SYSTEM ] did not perform under the agreement and risked nothing of value. 


XX/XX/XXXX FINANCE SYSTEM last reported XX/XX/XXXX open balance : {$190.00} original creditor :XX/XX/XXXX account status : open opened : XX/XX/XXXX FINANCE SYSTEM Last reported XX/XX/XXXX open balance : {$140.00} opened : XXXX XXXX account status : open Original creditor name :XX/XX/XXXXXXXX XXXX XX/XX/XXXX FINANCE SYSTEM OF RICH XXXX Original Creditor XX/XX/XXXX XXXX XXXX Account Type : Collection Department Status Date : XX/XX/XXXX Balance : {$140.00} Balance Updated : XX/XX/XXXX Original Balance : {$140.00} Date Opened : XX/XX/XXXX FINANCE SYSTEM OF RICH XXXX Original Creditor : XX/XX/XXXXXXXX XXXX Account Type : Collection Department Status Date : XX/XX/XXXX Balance : {$190.00} Balance Updated : XX/XX/XXXX Original Balance : {$190.00} Date Opened : XX/XX/XXXX I had removed these before but they somehow got putt back on my report i have no knowledge of these accounts please cease all things that are against me CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Nelnet, Inc.
State: GA
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:
I recently checked my credit report and notice that XXXX, XXXX XXXX  XXXX are listing a student loan listed on my credit report from the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Account number XXXXXXXX XXXX  XX/XX/XXXX  The two accounts listed are not my accounts under the Fair Credit Reporting Act the Accounts listed needs to be validated and the proof of promissory note and issuer signature. you have 30 days to present the items listed ; I demand that both accounts needs to be permanently removed from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: Creditmax Collection Agency, Inc. d/b/a Creditmax, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
CreditMax unlawfully/fraudulently accessed my personal credit information from a car dealership. Using this information to perpetrate the fraud of a loan which was NEVER paid. CreditMax then fraudulently collected on unpaid fraudulent loan by garnishing XXXX dollars from complainant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: U.S. BANCORP
State: MI
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:
Hello I am contacting you about several problems I am having with US bank. This dates back to XXXX of XXXX, I was contacted by a company by the name of XXXX XXXX. I had paid them {$15000.00} on my US bank credit card and {$5000.00} on an airline credit card, once I found out it was a scam I had contacted both banks immediately. 

The XXXX bank did a charge back at once. Unfortunately, US bank did not follow suit when I told them about the situation. 
I had shown them proof as requested, that the company had in fact scammed me and told them that they needed to do a charge back. Instead they kept refusing me and I was in the time frame of when disputing and getting my money back should have not been a problem. 

This kept on going on to XXXX of XXXX with nothing resolved. I even talked to XXXX XXXX who is a higher up in US bank and still nothing. They said I would have to pay it and left it at that. I told them that I was n't going to pay it because I had done what I needed to prove it was a scam and they should do the charge back. I also saw that others who had been scammed by this particular company, had no issues once they told their bank what was going on. This was from XXXX, and again my airline card did a charge back with no issues once I spoke with them. 

Later on I had discovered US bank made another account and joined it to the US XXXX XXXX I already had. They also put my account in bankruptcy with out my knowledge. I have tried a number of times to resolve this. Many calls into the bank and nothing to show for it besides frustration. I am contacting you in hopes that this can be resolved, thank you very much for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : ( XXXX XXXX ) : ( Account # XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-01
Company: CrossCountry Mortgage LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to XXXX I suffered the loss of my mother, sickness, and a loss of income, so it has been quite a struggle to maintain while coping with such tragedy. I have been reaching out to my mortgage company for over a year tying to obtain assistance with my situation, and to date, I have not been able to get a consistent answer. I have tried to apply for loss mitigation, and covid assistance, and most recently, assistance from the XXXX program. 
In that process I also applied for bankruptcy, which is now open. The XXXX program has been trying to obtain documents from my mortgage company since XX/XX/2022, and they have been completely unsuccessful. My representative at the XXXX program asked that I reach out to my mortgage servicer in an attempt to retrieve the information needed. I have called multiple times and have gotten a different answer each time, I was even told by a representative, that she acknowledges I was given incorrect information. I have talked to rude customer service reps at my mortgage company on more than one occasion. 
i have explained I just need assistance getting the records needed in order to move forward with my approval in order to get the payment assistance I need. 
On more than one occasion I was assured the documents the XXXX program needs have not been sent. 
I was advised to seek help with CFPB in hopes to get this matter solved. 
My mortgage servicer is Cross Country mortgage. I have provided my contact information, and advised that I am aware of the process when there is an active Bankruptcy in place, but in order to get the matter regarding the documents getting to the XXXX program, they can call me at anytime, and nobody will respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have asked to be able to be removed from the requirement to pay PMI insurance on my mortgage, as I more than meet the threshold requirements of equity to debt. I have requested in writing to Ditech for this to occur, they replied that I am unable to be removed from PMI until the 11 years have transpired. Is there any other remedy for this situation? I thought the rules were that it was until I reached the equity threshold OR then11 years were reached not and or both.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
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: Account status incorrect

Complaint:
Greetings, I have reached out to the following Credit Agencies on 2 separate times stating the following : On XX/XX/XXXX & XX/XX/XXXX See below companies and exact requested verbiage : Experian XXXX   XXXX  XX/XX/XXXX XXXX : After reviewing my credit report, I noticed several accounts on my credit report that was either reporting incorrectly or I simply have no knowledge of. I have listed the account information below and the suggested outcome of each account. 

XX/XX/XXXX letter : Dear Credit Reporting Agency, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. As of now, you have not responded with the results of your first investigation. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2020-10-22
Company: Square Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2020 I received a text from the pharmacy that fills my prescriptions that told me they'd been receiving receipts from purchases I made at other businesses. They suggested that those receipts were coming form a company called Square. I went to the Square website and found that there was no way to speak with a live representative by chat nor was there a telephone number that would accept my calls unless I was a registered seller with their company. So, there as no way to fix the error or to take action to prevent identity theft that might result form the misdirected receipts. I am filing this formal complaint because this business refuses contact from the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
As of XXXX XXXX til now I have great frustrations due to monies being taking from my account because of fraudulent activity which I assume is within the company. Each XXXX day of the month, the state deposits {$230.00} to my account and before I can make a withdrawal, my funds are automated drafted by companies that I have not visited or purchased from. This affects my entire family due the funds are deposited by the state for the needs of my children. I have had three cards canceled and replaced only to have the same issues. Im just sick of it!! My card stays in my possession but being told by one company that my card is used within the store to make purchases, baffles me. Apparently the fraud is within the company division where as to duplicate copies of the card is made and are being used sending my card either into overdraft or monies taken. Sad enough that the entire world is affected due to the pandemic of COVID, its even horrifying that people with accounts are suffering financial losses because of petty thieves and hackers who STEALS!!! What makes matters worse, is not being able to talk to a live person to rectify the problem or or being transferred to a certain division to rectify the situation only to be on hold for hours until they HANG UP!! Its very discouraging. They send out papers to dispute the charges, you return them only to get a letter telling you that they saw that there was no fraud. So basically, its easy for the scammers to take the money but its no luck getting your money back so it continues to happen. This company should be investigated, starting with those who works in the department of creating the cards. This is happening way too much and to too many people who now suffers majorly from hundreds of dollars of the states money being stolen. This is not right. This is not fair. There should be a more strict security policy to keep things like this from happening. I beg you to please investigate this problem for the sake of myself and other cardholders who suffers the loss. Show that you care and that you are not apart of a company that is taking from us. Thank you so much

Company response to consumer: Closed with explanation