BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-31
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have made arrangements to repay a {$800.00} loan that includes high interest to {$2000.00}. I emailed CashNet USA this statement on X/XX/2017. Effective XXXX XXXX, 2017, I can begin repaying {$50.00} per month towards the debt of {$2000.00}.
Thank You!
These are the repayment terms that I can do because I am still unemployed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
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:
XXXX 2016 - I purchased a XXXX XXXX XXXX from XXXX XXXX. They promised me they could get me a better finance rate than I could get. I was in agreement that I wanted my loan to be financed by XXXX XXXX. I informed XXXX XXXX that I did not want XXXX XXXX. My loan with XXXX XXXX was approved. XXXX XXXX sold my loan without my knowledge or permission to XXXX XXXX because they could get more money from them than XXXX XXXX. This is per a XXXX XXXX employee. 

Supposedly, XXXX XXXX records their loan transactions. If this correct, you will see me and hear me saying several times that I do not want a loan from XXXX XXXX! 

I never had a loan with XXXX XXXX. Since I dislike XXXX XXXX, I refinanced with XXXX XXXX XXXX. Experian had informed me that I could write a note on my credit report and disputed it. I told Experian that I want my credit report to show that I did not have a loan with XXXX XXXX, and want it removed. Also, I want it said that XXXX XXXX sold my loan to XXXX XXXX. They said no because they can not say anything derogatory. Why bother to tell me I can dispute it and write a note? Experian obviously lied to me. 

Furthermore, I never gave permission that XXXX XXXX could obtain my credit information and never authorized a loan with them. This needs to be illegal!

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: WELLS FARGO & COMPANY
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:
XXXX 2016 - I purchased a XXXX XXXX XXXX from XXXX XXXX. They promised me they could get me a better finance rate than I could get. I was in agreement that I wanted my loan to be financed by XXXX XXXX. I informed XXXX XXXX that I did not want Wells Fargo. My loan with XXXX XXXX was approved. XXXX XXXX sold my loan without my knowledge or permission to Wells Fargo because they could get more money from them than XXXX XXXX. This is per a XXXX XXXX employee. 

Supposedly, XXXX XXXX records their loan transactions. If this correct, you will see me and hear me saying several times that I do not want a loan from Wells Fargo! 

I never had a loan with XXXX XXXX. Since I dislike Wells Fargo, I refinanced with XXXX XXXX XXXX. XXXX had informed me that I could write a note on my credit report and disputed it. I told XXXX that I want my credit report to show that I did not have a loan with XXXX XXXX, and want it removed. Also, I want it said that XXXX XXXX sold my loan to Wells Fargo. They said no because they can not say anything derogatory. Why bother to tell me I can dispute it and write a note? XXXX obviously lied to me. 

Furthermore, I never gave permission that Wells Fargo could obtain my credit information and never authorized a loan with them. This needs to be illegal!

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 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 been working to have the Three Agencies XXXX, Transunion and XXXX to remove and delete fraud accounts from my credit report and they either have been busy or ignoring my request. Ive sent letters on my behalf and have not received and adequate response. The accounts in reference are the ones below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are needed further investigation and removal by the 3 bureaus XXXX XXXX Transunion

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 2022-01-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES.BLOCK AND REMOVE THEM. XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-02-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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 2022-08-13
Company: EQUIFAX, INC.
State: AR
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 been working to have the Three Agencies XXXX, XXXX and Equifax to remove and delete fraud accounts from my credit report and they either have been busy or ignoring my request. Ive sent letters on my behalf and have not received and adequate response. The accounts in reference are the ones below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are needed further investigation and removal by the 3 bureaus XXXX Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THAT INQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSED I RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIRE FROM XXXX  XXXX XXXX  XXXX ON XXXX. PLEASE DELETE THIS INQUIRES. I HAVE NEVER HAD A XXXX  XXXX ACCOUNT

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 2022-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I recently re-ordered checks for my checking account of 27 years with Bank of America. When I received my check order, the checks included " POD and one of my beneficiaries ' names ''. I never authorized the information to be included on the checks nor would I have ever authorized only one of my beneficiaries to appear on the check and not the other. Bank of America informed me that this is a new policy. I was not informed via mail or email that this was going to be a new policy effective XXXX XXXX was also informed that the missing beneficiary was an " error '' after being informed by another representative that there was only one beneficiary on the account. I also asked for a copy of a letter or notification regarding the new policy. A supervisor from financial services transferred me to the " check department '' and they were unable to provide me with a copy of the new policy. Personal financial information such as beneficiaries should not be required to be listed on checks which are written to utility companies, businesses, etc. nor for anyone to see other than the bank.

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 2018-01-16
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultants calls me several times a day and when I pick up no one says anything. The phone hangs up, and the calls are repeated. I have mailed letters to this company asking them to validate this debt that is not mine. I never lived at this address that is listed on this account. And I never had this service with XXXX XXXX XXXX XXXX XXXX. They have failed to provide me information such as the written agreement that created my original requirement to pay. They have been unable to give me the proof that they have the right to collect on this debt. I will upload the letters that I have mailed to this company. Even though they could not produce any proof, they put this negative information on my credit report. I sent a letter to XX/XX/XXXX and XX/XX/XXXX. I will also provide evidence of tracking that it reached their office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 2018-01-16
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We traded in our old car which was financed through GM Financial on XX/XX/XXXX. A new loan was originated with GM Financial the same day. 

On XX/XX/XXXX, we called GM as we had not received a billing statement for the new loan. The representative told us that we did not have a payment due as an overpayment on our old loan was credited to the new loan. This made our first payment due XX/XX/XXXX.

Payments were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

We have been continuously harassed stating that we are past due and missing payments when we have paid according to the information received from the company. On XX/XX/XXXX and XX/XX/XXXX, we received threatening phone calls from your company advising that we had to pay or else. And that we have somehow racked up late fees totaling over {$200.00} and have been reported more than 30 days late. 

Please correct the account as we have not missed any payments. Also please coach your associates accordingly as it is not right to threaten a senior citizen who is just trying to do the right thing and making a payment every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My bank ( XXXX ) account was accessed as a result of fraud. My bank closed the account but neglected to move the automatic payments to the new account. 

one mortgage payment ( specialised loan servicing ) was late. 

The bank issued a letter acknowledging the problem and admitting fault. 

The company refused to take this into account and adjust the report to the credit agencies.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
In XXXX 2017, my husband and I were about to sign the paperwork to purchase our new XXXX XXXX XXXX. Before we signed, we communicated several times with the sales person that we needed to make sure the vehilce had all wheel drive. We even stated that if the car did not have AWD then we would not purchase the vehicle. It would be a " deal breaker ''. The sales person assured us that the vehicle was AWD. With the first real snowfall coming this past week, my husband was driving our car as it slid along the snowy road. He asked me to look through the owners manual to see how to activatey the AWD. The manual indicated there would be a button to turn on. The button does not exist. When I called the dealerhip asking about ths, nobody could answer whether or not the car automatically turned on AWD or if it did require a button. At first, someone in the service department said that it was automatically turned on and did not require a button. When I referenced what I had read in the manual, the serviceman then investigated further and found that it did indeed require a button to turn on and was not automatic. He then referred me to the manager. I communicated our story to the manager and the fact that the salesperson insisted the car was AWD. The manager said he would invesitage further and call me back. When he called back, he basically said too much time has passed since the purchase of the car and nothing can be done to alleviate the problem. I communicated that I did not have a need for AWD in XXXX or the fall and it was n't until now that I discovered the error. He then communicated that there was nothing to be done other than to bring my car in and trade it in for a vehicle with AWD which would end up costing me more money in the end. If the salesperson had been up front with me and my husband about the car not having AWD, we would have gladly looked at another vehicle that did. We were motivated buyers. We probably would have bought another vehicle and the dealership would have still had their sale. I have XXXX children that I taxi around. AWD was a must not only for my safety but more importantly for the safety of my children. My husband and I feel as though we were taken advantage of and we were most definetly sold a car that was promised to have AWD, but does not. I did not buy the car that I thought I did.

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: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX, 2018, I made a Bitcoin ( BTC ) transaction from my XXXX account to my Coinbase.com account. It was for a total of XXXX BTC. 

Apparently the transaction was " successful ''. However, it is now sitting in my Coinbase account as " Pending ''. So it has not cleared my account. In other words, I do not have access to this BTC, nor can I trade it, etc. If the transaction is 100 % successful, it would say " Completed '', and I would have access to this BTC.

Coinbase advertises that they will take no longer than 72 hours for a transaction. This has now taken over 16 days.

I have now sent 7 emails with details and screenshots to both  XXXX and Coinbase and asked them to respond and resolve the issue. I have received no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Sensible Auto Lending, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Ive reached out to the company numerous times Ive never had a car loan with sensible auto and its in my credit report Ive sent them documentation that I was a victim of 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 explanation
Consumer complaint received 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
all ftc violations sent previously company attached : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all accounts XXXX XXXX XXXX  The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.

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: National Debt Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I took out an online loan for {$800.00} but I some hardships and was n't able to repay it completely. The payday loan company later sold the debt to another company. The company 's name is " XXXX XXXX XXXX XXXX '', they have been calling me since the first week of XXXX XXXX and my family members with threatening voicemails about me being summoned and that they will sue me. I called the original creditor and they told me that they do n't have knowledge of these type of practices and that the XXXX XXXX XXXX XXXX should not be threatening me which such actions. I am guessing they have collected family relatives information from online sources and that is completely unacceptable and unethical and has brought distress to myself and family.

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: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
There are inquires being reported on my credit report that i dont know where they came from my personal information was stolen and i had all my bank information changed. I have never inquired about any of the inquires being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Diversified Consultants, 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: Their investigation did not fix an error on your report

Complaint:
I have sent letters to this company seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX, XXXX, and XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: Nelnet, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have a student load that has continued to show on my credit report origination with XXXX XXXX I am part of the lawsuit to my understand and have yet to see it removed or close. they have frozen any payment req for 5 years yet it is still affecting me and should have been removed by this time. Currently, the loan is shown with a collection agency Nelnet unable to get little to no information from them.

Company response to consumer: Closed with explanation