BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XX/XX/2015 Amount XXXX Reported on my report has negative

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 2019-11-02
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I started to apply for a mortgage with our WELLS FARGO loan officer on XX/XX/2019 to buy a house.

Its been more than 45 days that we started the loan process with my wife and I with Wells Fargo.

We received a commitment letters on XX/XX/2019 We requested an appointment with our loan officer on XX/XX/XXXX to be sure to provide every single document requested by Wells Fargo.

We have submitted our last document on XX/XX/XXXX in the morning, which was a letter from our CPA, providing all the answers.

The same day, around XXXX XXXX, the Wells Fargo Loan Processor give us a call and let us a message on my voice mail saying that our loan has been approved.

Since XX/XX/XXXX, we requested several times through our loan officer some update with some promises, that the answer is going to arrive.

And still nothing.

So today, I am tired and angry by seeing nothing happening and I am stressed not being able to close after already postponing many times with the sellers.

We just want an answer from Wells Fargo after submitting a full and completed application on XX/XX/XXXX, we still haven't heard from Wells Fargo!

No letter, no email, nothing new from their app " loan tracker '' It's already been 2 weeks today!

I'm pretty sure, that if missed a payment from my mortgage, Wells Fargo wouldn't wait for 2 weeks before requesting the payment!

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 2021-09-24
Company: Nelnet, Inc.
State: CA
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Bread Financial 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: Account information incorrect

Complaint:
This account is has been showing on my consumer credit reports as a charge-off for XXXX  years plus. Ive been trying to dispute this issue for XXXX  years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a XXXX. They can't charge it off then report it to IRS. Furthermore, ( CB/VICSCRT ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
we just have this debt, after our bankruptcy. and this was only c/o under our name. we are not responsible for these, they keep on sending these letter to us and made so stressful. we dont have to settle this. and that american honda they sent letter to us that theyve been sold the vehicle. if they sold it, why do they have to collect on us. its our ex friend who owned it from them. but they relocated and theres no way to get in touch with them. we are victims only. please help us to stop collecting & charging us for debts that was not literally belongs to us. We are victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I hired a lawyer to handle all of my debt. I signed so that he could draft and send his power of attorney to the office Weltman Weinberg and Reis. I hired this lawyer because I searched for one that was familiar with that specific office. He contacted the office and tried to send the power of attorney and he was told that the office no longer held my debt despite the fact they would continue to pursue it without including his name. The notices I was sent last week only list my name and not my lawyers name. 
I had contacted Weltman Weinberg and Reis to update my address, because they were sending notices to the wrong address, and to ensure that they have my lawyer 's contact information. I reached the answering machine and left that information with my name and a relevant case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2019-11-01
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX   XXXX and 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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2018-05-18
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out an installment loan with CashNetUSA ( CNU Online Holdings , LLC ) for {$1200.00} on XX/XX/XXXX. 

The APR is exorbitant and predatory at 276.23 %. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. Per South Carolina law, I should have only been charged {$180.00} on this {$1200.00} loan. My total paid should be {$1400.00}. 

To date, I have made 11 payments for {$140.00} each totaling {$1500.00}. I have paid {$120.00} more than South Carolina law allows. 

If I make all 27 payments, I will end up paying {$3800.00} to include {$1200.00} loan amount and {$2500.00} in fees. This is more than double to loan amount. I am requesting that the XX/XX/XXXX payment of {$140.00} be the final payment and my account then be marked closed and paid in full. 276.23 % should not be legal and is certainly predatory. It is also against South Carolina law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I paid the balance in full on the duo date, they took 3 days to process the payment and reported a full balance, I am paying interest and they report wrong balance. 
card number XXXX name 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 2019-04-16
Company: TCF NATIONAL BANK
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I financed a car through a bank but the car has engine issues so I tried to fix it with the dealer but he failed to. I have to take Them to court and I won the case. Since the bank was aware of the circumstances they assigned my account to a special team to follow up and take payments for the loan. I have been making the payments as planned. However, the communication with this department changed all of a sudden and I kept calling leaving voice messages to make the payment. The scenario went on and on for almost a year. I know I have the car and the loan is not complete. So I insisted on contacting them and spoke to various people at the bank until finally someone figured it out. As soon as they realized the car loan has not been paid they took the car without offering me ways to remedy the problem. I called them because I wanted to solve the issue and avoid this type of scenario. So I am with no car and it was not my fault. They want me to pay off the whole loan $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Credit scores having problems. As soon as I get a company off credit score.Another comes up.  There are severalXXXX XXXX. Unknown accts keepsAppears.  There is several XXXXIn North Carolina and some deceasedAnd alive. XXXX was on my rating.I disputed. It wasn't me. After disputingIt. And several more. Stop this madness.It's messing up my credit ratings. ThanksXXXX 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 2019-04-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I re consolidated a few credit cards in order to reduce my monthly payment into one. After have all the accounts transferred into one account for XXXX XXXX, apparently some credit card companies still reported my status incorrectly. Now I have delinquent accounts showing in my credit, and it does not allow me to purchase anything on credit, even though I am still making payments on all those expenses. I just want to remove the delinquent accounts under my credit.

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 2023-02-03
Company: EQUIFAX, 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Purchased XXXX XXXX XXXX  XX/XX/XXXX using XXXX XXXX Upgrade Program which is underwritten by Citizen 's One Bank. Paid off loan associated with this XXXX in XX/XX/XXXX and traded in the device in XX/XX/XXXX. XXXX refunded a prorated amount of {$86.00} to my loan account for the remaining time left of XXXX extended warranty. Requested Citizen 's One to send this refunded balance to me via check or to my card on file and have yet to receive it. I've contacted the bank via phone XXXX on multiple occasions and they claim it is due to an overabundance of refunds being processed. I want my refund sent immediately, which is no different than the bank wanting to be paid promptly when my bill is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is reporting on my credit reports on all XXXX bureaus as if I owe them money and this account was established in 2016. I have never borrowed money or taken money from this company for a loan to default on. I need this collection account removed from all XXXX bureaus immediately. I have tried to dispute with them and collections agency. They never verify the debt just states that it was verified. I need proof of my signature otherwise they need to remove this from my credit file.

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 2020-11-30
Company: EQUIFAX, INC.
State: NY
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:
All 3 major credit bureaus are PURPOSELY refusing to report my credit utilization. They only will report fraud negative things to reflect my credit.Also, XXXX claimed to have no record of me having a credit card ( XXXX to boost credit ), XXXX had nerve to email me to leave a review of the same card they told the cfpb they have no record of. Ever since equifax went up, only a inquiry updated, never my positive payment history for 3 months.also on the day my credit updates on equifax, it just says period and won't updte.even if my score wont move, report that its on time the same way a fraudulent account is revolving ..this is not by mistake that positive history takes so long to get on record. Not a score increase, just report properly. If I miss a month, all 3 scores will drop, why not at least report when its on time..transunion had my score in the 500s fro a fraudulent cable bill, when it got removed, they dropped my score to XXXX.they also have no record of my 2 secured cards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
All 3 major credit bureaus are PURPOSELY refusing to report my credit utilization. They only will report fraud negative things to reflect my credit.Also, XXXX claimed to have no record of me having a credit card ( XXXX to boost credit ), XXXX had nerve to email me to leave a review of the same card they told the cfpb they have no record of. Ever since equifax went up, only a inquiry updated, never my positive payment history for 3 months.also on the day my credit updates on XXXX, it just says period and won't updte.even if my score wont move, report that its on time the same way a fraudulent account is revolving ..this is not by mistake that positive history takes so long to get on record. Not a score increase, just report properly. If I miss a month, all 3 scores will drop, why not at least report when its on time..transunion had my score in the 500s fro a fraudulent cable bill, when it got removed, they dropped my score to XXXX.they also have no record of my 2 secured cards

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 2023-04-09
Company: EQUIFAX, INC.
State: NJ
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation