BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-30
Company: WELLS FARGO & COMPANY
State: WA
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 got a loan through Wells Fargo and eventually lead to a repossession. The reported payments late and said that they would work with me but came and repossessed it instead. I have asked for an itemized statement and have never received one. I also know that they sold the vehicle for around 4800 est. at auction and only reported XXXX XXXX. The company destroyed my credit and I saved my receipts and wont send me an itemized statement so I can cross reference. I also did the math and Ive already paid over 14k and they are trying to say i owe. Them around 6k still. Ive called and been hung up on and laughed at. They already have the vehicle I made payments in for over three years and I have nothing to show for it. I am XXXX and need assistance attaching documents.

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Cease and Desist wrongdoing conduct, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Notice of Dispute To whom it may concern I am demanding verification of this alleged debt obligation, I have know knowledge of the said accounts. I believe this account is fraudulent. I believe the letter sent to me by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in consumer that a person other than the Creditor such consumer is participating in the collection of or in an attempt to collect a debt such consumer owes such creditor, when in fact such person is not so participating. The term Creditor according to 15 1692a ( 4 ) means any person who created the debt I believe my signature on the credit transaction created the debt therefore makes me the original creditor. If XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX believes I am in error I demand verification under penalty of perjury that I am not the original creditor. Lastly XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; andI demand an affidavit signed under penalty of perjury verifying the name and address of the original creditor the letter sent to me by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX have a logo affixed to it and that is

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 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I applied for an account at XXXX XXXX XXXX today XX/XX/2020 and when they ran my credit, I was told that I didn't qualify to open an account with them because of two accounts reflecting badly on my credit report. The names of the accounts are XXXX/XXXX  and XXXX XXXX XXXX XXXX. Neither of these accounts belongs to me and I did not give anyone permission to open these accounts with my personal information. I did not benefit anything from these accounts such as money, goods, services or any other type of benefit and I did not make any transactions or payments towards these accounts. I already got in contact with both companies and filed a police report regarding these suspicious accounts.

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 2019-10-02
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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM 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 2023-11-01
Company: EdFinancial Services
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The servicer " Edfinancial '' is unreachable via phone, email and chat. 

The chat shows unavailable. 
The phone line says busy and will not call back with the callback option. 
The servicer will not respond to email. 

I have already been charged late fees and it is affecting my credit. I have no income and need to apply for SAVE plan.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-10
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XXXX I graduated from XXXX XXXX XXXX XXXX with what I thought was a beautiful path ahead of me. Very long story short, despite overwhelming guarantees, my degree and experience at XXXX could not deliver on promises made. We were misled and manipulated by XXXX XXXX and XXXX XXXX XXXX XXXX a known bad actor, and we have been waiting years for XXXX to receive some sort of relief after getting ripped off - Where is forgiveness for us? There has been no communication from the XXXX about the denials. Why is XXXX taking so long? Why were we blanket denied with no clear reasoning after we fought tooth and nail via the legal system just to get out of the soul-crushing limbo the XXXX left us in for years? 

Up until recently my combined government and private student loans required monthly payments of {$1400.00} per month, it used to be {$1800.00}. Due to my household losing half its income during the pandemic I was able to fight to bring this number temporarily down to about $ XXXX. This is unsustainable, my private loans are crushing me to death. 

Between personal debt accrued just trying to make ends meet over the years and these student loans, I am constantly in a state of financial anxiety, just living paycheck to paycheck. I can not see a future where I own a home or feel secure in starting a family, and that is a horribly crushing feeling. Neither me nor my mother will be able to retire at this rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
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:
This line of credit account has multiple inaccuracies and missing information that do not align with all three bureaus. Attached is an image where I have highlighted every inaccuracy on my credit report. These inaccuracies include account type, Date opened, payment status, last reported, date last active, and payment history. Not one of the late payment history payments are reported the same for any bureaus. It is clear that the proper procedures to ensure maximum accuracy were not followed and as a result my credit has been in shambles for years. These inaccuracies on my credit report are violation of 15 U.S. Code 1681e - Compliance procedures and this account should be deleted from my credit report immediately or updated to XXXX late payments for all bureaus.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX 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 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 2023-09-20
Company: Experian Information Solutions Inc.
State: NY
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 am writing to express my disappointment regarding your recent claims concerning my accounts. I firmly reject these claims based on the fact that you lack substantial material evidence to support your assertions. As a result, I strongly urge you to promptly commence a comprehensive investigation into these matters. 

Your recent claims have cast a significant shadow over my financial standing and hold the potential to cause severe harm to my creditworthiness. It is of utmost importance that we address this situation swiftly and accurately to prevent further repercussions. 

Furthermore, I want to emphasize my strong rejection of your decision to decline my identity theft claim. The authority to determine whether I have been a victim of identity theft does not reside with your organization but with established legal processes. Your authority or legal standing does not grant you the right to make such a determination on my behalf. 

If you persist in declining my position, I am prepared to take legal action by contacting my attorney to seek a legal remedy. I implore you to ensure that my identity theft claim is processed in strict accordance with the law. 

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 2023-11-10
Company: Experian Information Solutions Inc.
State: PA
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:
Please remove this account from my credit report as it is not associated with 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 explanation
Consumer complaint received 2023-02-28
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to statewide shutdowns, the closing of my place of business, continuous business suspensions, and my illness, I was tremendously affected by the XXXX Pandemic, and I fell behind on my mortgage. I was offered a forbearance, which I thought would help with restoring my past due amount. Consequently, Fay Servicing told me that I had to pay all of my arrearages in order to stay in my home and I did not have it. 

So Fay Servicing forced me into an arrangement where I had/have to pay upfront {$50000.00}. in XXXX, ( PAID ) {$50000.00}. XXXX ( PAID ) {$54000.00} XXXX The foreclosure sales date has been scheduled for XX/XX/, even though all of my payments have been made on time. 

8 times I applied for a Loan Modification, and Fay Servicing kept saying they never received an entire packet, which they had. I kept submitting documents up until they placed a foreclosure notice on my door. 

I filed for assistance with the Maryland Homeowners Assistance fund, Fay Servicing told MHAF that they don't participate in the program and that I was not eligible for a Loan Modification. and they also denied funds from MHAF. After my file was closed with MHAF, ( and the funds were denied ) Fay Servicing did offer me a Loan Modification. 
So egregious. 

TERMS Interest-only vs Fixed Conventional FHA {$400000.00} balloon payment vs No balloon XXXX years vs XXXX year remaining Payments increased by {$170000.00} more per month {$5700.00}. vs {$4000.00} Interest rate XXXX % vs XXXX % Fay Servicing filed for a sales date while my application was being reviewed with MHAF. In addition, Fay Servicing would not speak with me about my accounts for months leading up to scheduling a sales date. I was trying to work out something, but they weren't offering me any options but to foreclose, and take my home. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
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:
This account has multiple inaccuracies and missing information that do not align with all three bureaus. I have attached a receipt from XXXX showing that I paid in full directly to them and not to the collection agency. If this account was reported as " Charged off '' then XXXX should not have been able to collect directly on this debt. Also attached is an email directly from a XXXX representative stating that if I paid they would remove this from my credit report and my account would be in good standing. I have attached an image of my credit report for all three bureaus and I have highlighted all of the inaccurate information. The inaccurate/missing information includes the following : Account type, Date opened, number of months ( terms ), Payment Status, last reported date, Date last active, date of last payment, and payment history. The entire payment history Is highlighted because it is completely inaccurate and missing information. This is a direct violation of 15 U.S. Code 1681e - Compliance procedures and this account should be deleted from my credit report immediately.

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 2023-02-28
Company: LEXISNEXIS
State: UT
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 was on my familys auto insurance plan and they began looking for new auto insurance in the month of XX/XX/XXXX. When my father was discussing new auto policies with the agent, the agent informed him that LexisNexis is reporting that I had been issued a ticket in XX/XX/XXXX in the state of Washington along with a vehicle fuel charge along with that ticket. This is very inaccurate as 1 ) Ive never driven to Washington or even have been to the state of Washington. 2 ) I have an all electric vehicle and have owned it since XXXX so there would not be a vehicle fuel charge since my vehicle is all electric. 

I paid the Utah XXXX to pull my driving record and send it to me in XXXX under my license number and my driving record is completely clean with no tickets. I also called Washington courts to check my drivers license number and search for a ticket but they have no record of me under my license number, name, date of birth, and SSN. 

I provided LexisNexis with this information and they still have not removed this from my report. I am unable to renew my auto insurance as the insurance can not give me a fair rate due to this inaccurate reporting of a ticket under my account. 

I need this resolved ASAP so I am following up with LexisNexis weekly but they are making no progress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I filed a complaint with cfpb # XXXX. The company responded on XX/XX/XXXX. The company 's response was that our claim was not filed properly, and they returned our documentation on XX/XX/XXXX. They also stated they have concluded the investigation however they have provided a XXXX reference number if I had further questions. I emailed the Executive Resolutions Dept of XX/XX/XXXX disputing their claims and have not had a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2021, ,Called Wells Fargo Bank , ,To Apply For, ,The Covid19 Assistance Program On, ,That They Was Offering,,, Went Online ( 3 ) Time To Apply, The Application Was Blocked On Line,,, And I Spoken To A Banker, ,Though Overdraft Protect,, He Said That They Stop Taking Applications, ,But Went Online 2 Before XXXX, ,So UnAcceptable, I Did Received ( One ) Settlement Check,, For, XXXX, ,On XX/XX/XXXX, XXXX, ,I Do Believe That This Company Owes Me And My Family More, ,This Company Is Really Messy, ,It Also Ruined Me And My Family Life

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 2019-05-19
Company: Mercedes Benz Financial Services
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I traded in the subject vehicle that was financed with Mercedes Benz financial services. for new XXXX. Well tell seeing dealership XXXX XXXX was infact floating notes and not paying the lienholders after they received the payoff from myself. So the dealership has my car and has not paid off the leinholder so now i have a collection with Mercedes Benz. The dealership is now under bankruptcy and the dept is still showing as unpaid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: OH
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 was XXXX from XX/XX/XXXX until XX/XX/XXXX since XX/XX/XXXX ive been in the XXXX way house. 

Sometime during my XXXX  my credit card information was stolen. However both XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX  refuse to acknowledge this and they're trying to force me to make payment on charges that I didn't do. Any charges that happened between XX/XX/XXXX to XX/XX/XXXX I didn't do nor did I give anyone consent. 

XXXX has told me on the phone that I said in a conversation that I stated that someone could use my card and they would make payment. That's absolutely false. I asked to hear this recording but they've refused to let me hear it. 

I pretty much think they're bullying me and being prejudicial toward me because I told them I had been XXXX I've enclosed the documents to show my proof of XXXX. The balance in question is {$9100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: ENCORE CAPITAL GROUP INC.
State: IL
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 several items that are reporting negative on my credit report in which I have done the following : XXXX ) .XXXX  - showing negative reporting in the amount of {$3200.00} - spoke with their recovery department and was advised that this item was zero in their system and had no idea why the credit bureaus were reporting it XXXX ) .XXXX XXXX XXXX {$2700.00} spoke with their collections and was advised this item is no longer in collections and was removed XXXX ) XXXX XXXX - {$37000.00} - spoke with their recovery department and was advised this item is not in their system. 
XXXX ) .XXXX XXXX  - {$1900.00} - spoke with them and they advised me that I do not any accounts that are in a delinquent status no did I have a account in a delinquent status. 
XXXX ) XXXX XXXX XXXX XXXX {$3200.00} - this is same XXXX XXXX XXXX for {$2700.00} thats is reporting negative on my credit in which it should be removed! 
The item above are ruining my credit and my chances of trying to buy me a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
See attached, just because you send these on YOUR report does not make it correct when I RUN MY REPORTS MONTHLY! The information has been wrong so many times and you've failed miserably at correcting it. It's time to do more than keep sending me these things that don't really say anything because they never match my report when I run it that ACTUAL CREDITORS SEE!!!

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