BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-18
Company: Quality Loan Service Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
black night foreclosing run of the mill operation, with publishing and posting fraudsters, forging my name, securitizing before closing deal not even owner, clouded title, fraud lien instrument, FDCPA Violation of Taxes, Stealing SSI and Cusip money, XXXX Accepted under duress as beneficiary with non-disclosure and another time as trustee, cancellation of note securitization, all fraud trying to settle the accounts and can not and attempting through XXXX XXXX XXXX, and Quality Loan Service to foreclose on the debt the bank owns and needs to go to jail all of you see links.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Now we see the news and this site XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was informed via recorded phone call that if I paid {$20.00} a month until entire balance was paid, my credit would not be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
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 information incorrect

Complaint:
This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX XXXX XXXX XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.

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 2023-06-22
Company: Self Financial Inc.
State: NC
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 not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have recently disputed an account, it was once removed and is now showing up again in my credit report. I have disputed this account again this year and the creditor has reported the information submitted is verified and accurate. I requested validation to verify that this account belongs to me however I received nothing to validate this debt. Also, the account is showing inaccuracies amongst each credit bureau which would be a violation of the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA. If the account was verified and accurate each bureau would be reporting the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: CITIBANK, N.A.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened checking account ( XXXX XXXX and deposited $ XXXX on XX/XX/23. I was to receive {$500.00} after 90 days of maintaining a minimal balance of $ XXXX. I never touched any of the $ XXXX, to this day. I have never received the {$500.00} bonus, although they tell me, in my phone calls to Citibank, that XXXX entitled to receive it. I was even mailed a W9, which I returned immediately, and the phone reps admit it was received, but they refuse to advise me when/if I will ever see the {$500.00}.

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 explanation
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been in active communication with Experian credit reporting agency in regards to multiple identity theft items that are appearing on my personal credit report. 

I have provided Identity Theft Letter from the FTC website along with a police report to verify that my identity was stolen. 

Just as I begin to make progress with reaching a resolution, yet another item is fraudulently placed onto my personal credit report that does not belong to me. 

So it seems as if items are just being randomly being placed onto my personal credit report without even being verified. 

Recently I noticed another item being placed onto my personal credit report that does not belong to me, it does not identify what it, I know that it does not belong to me.

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 2023-06-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have multiple issues with Wells Fargo auto. 

1. The main issue is fraud within the financial agreement. 

this issue has been brought to Wells Fargo attention since XXXX of XXXX Wells Fargo is not listed as the creditor on the financial agreement even though they are the original creditor of this commercial transaction. 


I have documents provided by XXXX XXXX XXXX that states ; They were were unable to provide financing for this transaction. It also states the dealer did not submit my application to the financial sources. However, on the Financial agreement Wells Fargo Auto was assigned all interest to the contract, But was never mentioned in the contract as the creditor. " see attachments '' 2. Unverifiable agents. 
Wells Fargo has sent multiple correspondences signed by agents that refuse to use their full legal name on legal documents. 

I believe this is a violation of Title 15 U.S. Code 45 and Title 18 U.S. Code 1341 and I have filed a complaint with the Florida Attorney General 's Office. 

Wells Fargo has unlawfully continued to charge my account, refuse to inform the credit bureau of the legal dispute and on XX/XX/XXXX there was breach of peace and Wells Fargo sent a 3rd party to unlawfully repossessed my vehicle XXXX XXXX XXXX XXXX. 

yes law enforcement was called " see attachment '' I have never refused to make a payment and I've been in constant communication with Wells Fargo Auto via phone calls and letters. " see attachments '' despite constant communication Wells Fargo and the debt being disputed under the USC Title 15 FDCPA and FCRA refused to adjust the account and has now charged off my account requiring me to pay the full amount

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: EQUIFAX, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX XXXX  XXXX/XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and ( Account Name ) with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: DriveNow Leasing LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
This dealership scammed me for years they kept intimidating me and not giving me tags or my title that so long ago should have belonged today : the purchase purchase price of the truck is XXXX And I have paid XXXX So far. 

They tricked me into signing some extra contracts to say that I had to pay triple of what the original contract was worth they done repo truck and trailer the way it set up it was 175 precut interest they refuse get my tags I cant not run with tags expired to make the money make the payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2019 CONSUMER FINANCIAL PROTECTION BUREAU UNITED STATES GOVERNMENT AGGRESSIVE MORTGAGE TACTICS DEAR SIR ( S ) MRS , MISS, I HAVE TRIED WITH TWO DIFFERENT ENTITIES TO TRY TO BRING MY HOME MORTGAGE TO A STANDARD LEVEL THAT I CAN AFFORD TO PAY. FIRST TIME FAY SERVICING LLC, XXXX, ILLINOIS SAID THEY WOULD WITH ME ON A MODIFICATION BUT THAT ENDED IN A REPAYMENT PLAN INSTEAD. FAY SERVICING LLC REQUIRE OF ME TO PAY FOR TWELVE MONTHS A SUM OF XXXX PER MONTH. THEN THEY WOULD CONSIDER A MODIFICATION. 
XXXX XXXX  LAW FIRM THAT I AM USING WENT BACK TO FAY SERVICING LLC AND THIS TIME FAY SERVICING SUGGESTED ANOTHER REPAYMENT PLAN. IN IT FAY SERVICING SUGGESTED THAT I BEGIN PAYING XXXX PER MONTH. FAY SERVICING LLC NEVER GAVE ME A MODIFICATION!!! BEFORE THE REPAYMENT PLANS I HAD TO PAY XXXX PER MONTH. HOW CAN THEY POSSIBLY THINK ABOUT FORECLOSURE????! HOW CAN XXXX XXXX LAW FIRM THAT I PAY TO HELP ME ALLOW ME TO BE SO AGGRESSIVELY DEALT WITH????! THANK YOU, BEST REGARDS, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. TRANSUNION has been reporting incorrect information on my credit report for XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to TRANSUNION regarding the XXXX account, which was received by the TRANSUNION on XX/XX/2018. On XX/XX/2018, TRANSUNION responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed TRANSUNION that any automated response or e-oscar verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, TRANSUNION has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected has consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX 
Account XXXX Account name 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 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 XXXXXXXX has violated my rights . 15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have already filed an complaint against them & nothing has been resolved. Also Bank of America told me that they have no funds to obtain back to me. Which I sent them proof of me being scammed with the police report and claim. How ever I still have yet to receive my funds. 


XXXX XXXX XXXXXXXX

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 2023-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to Capital One on XX/XX/XXXX via a cashier 's check for {$4100.00}. The check was sent through XXXX with tracking # XXXX delivered on XX/XX/XXXX signed for by XXXX XXXX at Payment Processing Capital One XXXX XXXX XXXX XXXX NC XXXX. The cashier 's check cleared XXXX XXXX XXXX on XX/XX/XXXX. The payment was never posted to my account. I started an investigation with capital on XX/XX/XXXX Case number XXXX. On XX/XX/XXXX, a letter stating that proof of check was needed. I faxed over copies of the check, letter, XXXX slip and proof of delivery. On XX/XX/XXXX received another letter from capital one stating that was not enough information/proof. On XX/XX/XXXX faxed over proof of the cleared cashier 's check. On XX/XX/XXXX received a letter from capital one stating that We received your request concerning your payment for {$4100.00}, processed on XX/XX/XXXX. Your account was not credited because the funds were sent to an invalid account and returned to the originating bank account. I have not received the money back to my original account. I have contacted capital one several time and they do not have an answer as to where my {$4100.00} is at. One of the last phone calls we had both financial institutions on the line and capital one told XXXX XXXXXXXX XXXX that they returned the original check back to them, which would not work due to check was already cleared. Then the next person for capital one said that she needed to start a new case to find out where the money is at. This payment was not made to any type of loan that has a lien attached to the account. It was made to a credit card payment. I have requested a check number and tracking number from capital one. Capital one would not provide this information to me. I also, requested that they do a stop payment on the check and deposit the funds into my checking account with capital one. They would not accommodate this request. They then informed me that the funds were being sent back electronically, I advised them with XXXX XXXX XXXX on the line, that they can not return electronically due to the check was a cashiers check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-08
Company: EQUIFAX, INC.
State: NC
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:
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. EQUIFAX has been reporting incorrect information on my credit report for XXXX XXXX XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to EQUIFAX regarding the XXXX XXXX XXXX account, which was received by the EQUIFAX on XX/XX/2018. On XX/XX/2018, EQUIFAX responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed EQUIFAX that any automated response or XXXX   verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, EQUIFAX has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw a bankruptcy that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This XXXX  claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation