BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: NJ
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Since Wells Fargo is the bank I was approved for financing I would like Wells Fargo to answer me and the Consumer Financial Protection Bureau with what Wells Fargo agreeing with XXXX XXXX XXXX of XXXX with? That is on page three, as it states on page three under Federal Notices If appliable to transaction, to help the government fight XXXX and money laundering activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? Further more under Federal Notices it says What this means for you is when is that you will be ask your name address, birth date to identify you, You may also be asked your drivers license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion? On Document labeled attachment XXXX XXXXXXXX XXXX states I ask for the interest rate after he went over different options. Now wouldnt I have asked for the rate at the first option? Secondly 9.5 % APR for a car loan at my exception credit ( credit bureau summary attached His he, are even you guys out of your mine? Thirdly why did it take all day ( approximately 15 minutes ) to get down to 6.39 %? 6.39 % should have been the first and only option. Fourth point, on page one how did XXXX XXXX get my social security number? I did not give it to him. I do not carry my social security card in my pocket. I have not needed it in years and years. Point Five, What does XXXX XXXX in their letter to me mean by they can not comment on explicit or implicit comments made by customer and dealer. I never said anybody said anything verbally. Now obviously XXXX XXXX XXXX of XXXX reported to XXXX XXXX that either customer and or dealership said something explicit verbally and I want to know what was said to XXXX XXXX by XXXX XXXX XXXX of XXXX in their last Consumer Financial Protection Bureau 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 2022-05-20
Company: PatientFi, LLC
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Today I received an email from Patient Fi stating that my application was denied due to the below : Serious delinquency, Number of accounts with delinquency, Too few accounts currently paid as agreed, Proportion of loan balances to loan amounts is too high, The number of inquiries on the consumer 's credit file has adversely affected the credit score. 
If you have any questions about your credit score, you should contact : 1st of all I feel like I'm being pranked, because I never applied for an account with these people. On top of that I have a XXXX XXXX score with no delinquents. Please review the attachments to support my claim. Also it also shows that on my XXXX credit report these people never accessed my credit report. 

Please let me know if these people are scammers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-07-18
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: Experian Information Solutions Inc.
State: SC
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:
The car was purchased and had insurance on the car in SC. This car was stolen and later found in another state in GA 6 months later after it was stolen. XXXX was notified as to where the car was. They went and looked at the car and decided not to take the care back. They said they didn't want, they left it. They said it was a total loss. This was not handled properly and, they didn't notify me of the Sale and the difference to pay. This needs to be deleted off of my credit 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 2021-07-11
Company: EQUIFAX, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I dispute the validity of the debt in entirety and every portion of it. I am requesting for exact copies of the original documents that demonstrate that student loan lending and borrowing transactions did take place and the resulting debt exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX NC 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 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The car was purchased and had insurance on the car in SC. This car was stolen and later found in another state in GA 6 months later after it was stolen. XXXX was notified as to where the car was. They went and looked at the car and decided not to take the care back. They said they didn't want, they left it. They said it was a total loss. This was not handled properly and, they didn't notify me of the Sale and the difference to pay. This needs to be deleted off of my credit 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 2023-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
As a Veteran and a first time home owner it is an amazement to me how much theft transpired behind the closing of my VA LOANXXXX XXXX and still ongoing I am fighting outdated and backdated information towards foreclosure of my home.There was a ruling marked a win for U.S. Department of Justice in a civil fraud case, which accuses the bank 's Countrywide Financial unit and former Countrywide executive XXXX XXXX of duping XXXX XXXX and XXXX XXXX into buying shoddy mortgages. The case was first brought in XXXX by whistle-blower XXXX XXXX XXXX a former Countrywide Home Loans vice president. 
A jury found against the bank in XX/XX/XXXX, determining that Countrywide misrepresented to XXXX and XXXX the quality of mortgages it originated through a program known internally as high-speed swim lane ( XXXX  ), or " hustle. '' In XXXX, XXXX leveled a fine of {$1.00} XXXX against BofA and hit XXXX with a {$1.00} XXXX penalty for her role in the scheme. ( XXXX, a key witness in the government 's case, eventually raked in a {$57.00} XXXX whistle blower award. ) In my research with XXXX XXXX who was one of the expert witness and investigator when in XX/XX/XXXX he discovered that XXXX XXXX, in a terse opinion, simply told us that Judges and Justices were wrong in all those trial court decisions and even appellate court decisions that applied common law theories to modify the language of the Federal Law ( TILA ) on rescission. And now bank lawyers are facing the potential consequences of receiving notices of TILA rescission where the bank simply ignored them instead of preserving the rights of the lender by filing a declaratory action within 20 days of the rescission. By operation of law, the note and mortgage were nullified, ab initio. Which means that any further activity based upon the note and mortgage was void. And THAT means that the foreclosures were void.I have 3 full blown audits that repeat that my loan financing has fraudulent activities between 13 franchised banks and Bank of America the Mother Load of The Chain.

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 2023-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I opened a SECURED Capital One credit card in XXXX. The representative gave me inaccurate information. She advised me, that I could add {$300.00} more to increase the credit limit to {$500.00}, but DID NOT mention, that I should not make any purchases until I added the money. Unfortunately, her inaccuracy resulted in a less than desirable credit limit. Initially, I was advised, that I could request an increase in ninety days ; which wasnt the case. I spoke with the supervisor XXXX XX/XX/XXXX and XXXX XX/XX/XXXX regarding the injustice, and increasing my credit limit. Plus, I spoke with other Capital One supervisors regarding increasing my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Waypoint Resource Group, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I check my credit score daily and noticed it dropped 73+points overnight and showed the derogatory mark stating collections  from waypoint resource group penned XX/XX/2018 ( 1month ) {$750.00} from XXXX XXXX XXXX . To my knowledge I havent ordered or started anything knew in XXXX and also never received any mail email messages stating that I owed this. My bill online states {$0.00} amount owed and my business account shows my payments are auto drafted monthly. I do not understand what is going on with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: IL
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:
Experian, XXXX, XXXX refuse to remove an address that does not belong to me. its removed and then reappears

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 2022-07-18
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WA XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}

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 2021-07-11
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This complaint is about TransUnion. We request our free report which is nebulous and incomplete without the credit score. This is an abuse of process the government allows to credit reporting companies while looking the other way and ignoring the point and purpose of the Fair Credit Reporting Act. What is considered a " full credit report? '' Without the credit score it is meaningless. These Credit Reporting Agencies exist independent of the government while enjoying protections more powerful than the people whom they can control and destroy with their entries. The government is created to protect our rights, not violate them. If the government continues to make exceptions for huge monopolies such as the credit reporting agencies then these credit reporting agencies actually have more power than the government.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM REQUESTING A RUSH INVESTIGATION INTO THIS MATTER, LOAN PENDING. 

Complaint : I need the following bureaus to remove the errrant account that has been verrified and validated to be correct when it is absolutely 100 % obviously not when all 3 bureaus report something different. 

Targets : XXXX XXXX Experian Please reference CFPB Compaints : # : XXXX - XXXX XXXX XXXX XXXX # : XXXX - XXXX XXXX XXXX > Passed to Comptroller of Currency # : XXXX - XXXX XXXX XXXX XXXX  Again Dear Bureau, All 3 CRA 's above did not follow the Fair Credit Reporting Act Section 611 in the investigation of my disputes. They didn't follow any laws. 

They recieved the dispute, it automatically got sent to the collector who automatically generated an acknowledgement letter and then automatically generated a validation letter with the most recent account statement. Those documents are mailed to the person disputing hte innacuracy and they submit verification to the Bureaus. 

The Bureaus though, are supposed to conduct their own independent investigation into disputes and if they had done that in any of the disputes in this case it would be obvious that this account continues to report inconsistently and innacurately since I started disputing the account in XXXX of 2020. 

I want to know how the XXXX bureaus above were able to verify based on their investigation that my dispute was not accurate and the company was accurate when the information I submitted in my dispute is 100 % not accurate or consistent and remained that way since appearing on my 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 2023-09-09
Company: EQUIFAX, INC.
State: WI
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:
I have contacted XXXX, Equifax and XXXX multiple times requesting they remove this information off of my consumer report. They have failed to remove information. Below are documents sent to them to remove and update all information! I would also like opt out of the arbitration clause in their agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made a mortgage payment to SLS Mortgage online. They bought my mortgage & I was due to make my first payment to them beginning in XXXX. I made a payment for {$2300.00} the amt for my XXXX payment. It cleared on XX/XX/XXXX. On XXXXXXXX XXXX XXXXXXXX I received an email from SLS stating that my payment was returned. So I called SLS & they were trying to tell me that yes it was returned & I can clearly see in my account that they received XXXX payment. SLS TELLER told me again it was returned so I called my bank on my other phone on speaker. The bank tells me that yes the payment cleared but SLS tried to take out another payment in XXXX. So basically they tried to take 2 payments in XXXX when I only was paying one.

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