BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-09
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sequium Asset Solutions claims they do not remove paid collections from my credit report. However, my score has been negatively affected once the collection appeared on my report and although its been paid, my score has not been positively affected at all by paying this account in full. Every other collection gets removed and scores improve. This is not the case with this debt collector and is an unfair debt collection practice. If the collection has been paid then my score should go up. If not, if need to be removed. I have asked for Sequium to remove and they will not comply. XXXX XXXX XXXX has not provided any solutions either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: American Credit Acceptance, LLC
State: NC
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:
My Auto Loan is not being reported to the Credit Bureaus. I am unable to get a credit score nor am I able to get a home loan because of insufficient lack of reporting to Credit Bureaus. Banks will not accept Credit Report with out a Credit Score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Sent a letter to TransUnion more than 30 days ago, still haven't heard from them and the inaccuracies are still showing on my consumer report, due to this fact I have been discriminated/denied for several extensions of credit and a mortgage. These inaccuracies on my consumer report are hurting my ability to obtain credit which is my right pursuant to federal law. therefore, I demand for TransUnion to delete all these inacurracies.

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 2021-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: MD
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 pulled update of my credit report and still I see these negative account. I already sent few complaints to you guys. Why you still posting this information. I have no idea where you get them but I never apply for it. Someone used my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently checked my credit report and noticed inaccurate and fraud information on my credit report. I have called and disputed the information on my credit report and has provided proof. XXXX, Equifax and XXXX are reporting inaccurate and untrue accounts on my credit report. I called each company and the companies referred me to file a dispute with the credit bureaus. The accounts that needs to be REMOVED AND DELETED are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The second account is XXXX XXXX XXXX account # XXXX. I have never authorized these companies to obtain my information. I never signed and agreements with these companies for services, or goods. I was told to submit my FTC identity theft report along with proof of my identification and address. I followed through with all the steps to prove these accounts are fraudulent and I have never authorized these companies to obtain my credit information. I am unsure how they received my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX and XX/XX/2020 I fell behind on my car loan payments. 
XX/XX/2020 I received assistance from Wells Fargo COV ID relief program which brought my loan current. 
XX/XX/2020 my car was repossessed in XXXX XXXX while I was present breaking Governor XXXX 's Stay At Home Order and also causing a Breech Of Peace. 
XX/XX/2020 Wells Fargo denies ever receiving a request from me for assistance. 
They respond with they have been calling me. 
They sent me payment reminder emails 2 x a month up until XXXX which clearly coincides with me accepting assistance in XXXX. 
XX/XX/2020 I ask Wells Fargo if they can help me and they advise me they will cover all repossession costs which total XXXX for COV ID relief. 
XX/XX/2020 they issue a NOI statement demanding the back payments with the repossession included. 
XX/XX/2020 I recieve an email from Wells Fargo saying they will honor the XXXX but will not change it on the NOI statement therefore forcing me to pay the repossession fee. 
XX/XX/2020 after paying an additional XXXX that should have been applied to my loan I recieved a letter from Wells Fargo indicating that my loan was at default for stop payment on a check that Wells Fargo lost and was also advised of a reissuenice, but decided to cash anyway.

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 2020-05-25
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 noticed unauthorized inquiries on my report and contacted the credit bureaus to state that I believe someone applied for something in your name. 

I informed them that according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed from my credit report. 

I informed them that I filed a report stating that the items were fraudulent. 

After multiple requests, the credit bureau has not removed the hard inquiries from my report. 

Additionally, there is a fraudulent motor vehicle loan account from XXXX on my credit report. The same scenario has applied.

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 2021-03-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In late XXXX to mid XXXX I held a checking, savings and line of credit with Wells Fargo Bank NA. Throughout my account history there was holds placed on my accounts and/or funds deposited into those accounts as suspected fraud. 

At the time I was informed by Wells Fargo Bank that there was suspicious online activity in my checking account and they would freeze the checking account and re-issue the debit card associated to it on several times. 

I also owned during this period a Wells Fargo Advisors Account. 

In mid XXXX I was notified by Wells Fargo Bank NA and Wells Fargo Advisors that they no longer wanted to do business with me and closed my accounts and forced me to sell my securities with no other explanation given. 

In a letter dated XX/XX/XXXX Wells Fargo wrote stating that they had conducted a review of the holds placed on my consumer deposit accounts due to suspected fraud and that their research indicated that the holds may have been unnecessary. 

They included with their letter a refund of certain deposit account fees charged during the hold and additional compensation for their delay in making their payment to me. 

I filed a complaint with the FDIC after I received the XX/XX/XXXX Wells Fargo letter and on XX/XX/XXXX received a email response from the FDIC that my correspondence falls under the direct supervision of the Consumer Financial Protection Bureau and they have forwarded to you my complaint. 

To date I have not been contacted regarding this matter and as such am filing this complaint.

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 2021-03-02
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: Account status incorrect

Complaint:
The last letter I sent to company XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, TX XXXX XX/XX/XXXX Experian, XXXX. XX/XX/XXXXXXXX XXXX, TX XXXX ACCT # XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. The US Dept of ED/ XXXX serviced byXX/XX/XXXX was reported inaccurate. Information reported wrong dates, and the amount the servicing company is no longer in business to verify- This debt was paid in full in XXXX, and continues to be on my report. I called the Federal Student Loan Depart who confirmed that there is no contact available for the servicing company - Experian reported that the information was reported that it was verified. I have - This is also being cleared with XXXX who also reported this information with inaccurate information in XXXX - This information is not reporting with 100 % accuracy. I am requesting that the item be removed. Copies of inaccurate information and enclosed documentation reporting the wrong dates in supporting my file - Please reinvestigate these matters and delete or correct the disputed items as soon as possible. 


Sincerely, 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 2020-11-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
From XXXX XXXX, 2020 i have noticed unauthorized transaction on my account. i have called and sent in documents disputing charges. Nothing has been done to secure my account. 
i have spoke to supervisors, clients relation manager and i have not reimbursed funds or my concerns addressed. the latest unauthorized transaction dated yesterday XXXX XXXX, 2020 2020

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 2020-05-25
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: OK
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 XXXX XXXX, submitted an identity theft through FTC ( federal trade commission ) and uploaded it to CFPB on XX/XX/2023. Per 15 U.S. Code 1681c2, the credit reporting agencies have 4 days to block the information submitted. It has now been ten days past the receipt of the identity theft submission. This is willful negligence as I have provided PS Form 3811 and PS Form 3817 attachments showing I mailed to the companies reporting debt validation requests for over 60 days and not one creditor provided any bona fide evidence. Also mailed validation requests to all three bureaus and these entities did not provide any records as per federal law they are supposed to have records. Not one credit bureaus has my written consent to report, these credit bureaus are private corporations and have no legal basis for their actions and are not immune to being sued. They are ignoring my request and damaging my life as this is harming me from getting any credit. These companies are using and benefitting off my data and information while my family and household suffer. After this final request i will be going to the nearest federal district court.

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 2020-06-02
Company: EQUIFAX, INC.
State: WI
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:
I have a XXXX XXXX XXXX XXXX as paid off and Satisfaction of Judgement order from State WI XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX fully satisfied Each time I try to manage this from the bureaus seems like I can't get it resolved w/o paying more money. i have paid all the big 3 seems getting money is a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: TCF NATIONAL BANK
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: Account status incorrect

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX sent a letter starting that my truck was paid in full. It was traded in however all reports are showing it to be charged off. They claimed to my mother, XXXX XXXX, joint buyer that they marked it paid in full. I've worked 15 years in XXXX and know that it is up to the creditor to mark correctly on a credit report. 

Does this mean if I paid it on my own in full it would be charged off as well? Because that's what happened except the new dealer paid it off. 

XXXX of XXXX, owned by the XXXX XXXX XXXX issued the check to pay it off. Also. We received a overpayment check as well. Our credit scores have DRASTICALLY took a hit due to the incorrect reporting of XXXX XXXX XXXX. This needs to be fixed asap on on their end. I should not have to jump through hoops with 3 credit agencies due to the errors of this creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: MN
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:
The following credit accounts and collection account currently listed and showing on my XXXX and Equifax credit report is showing an incorrect balance on the account : XXXX XXXX XXXX XXXX {$760.00}XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$130.00}, and XXXX XXXX XXXX : XXXX, {$370.00}XXXX XXXX XXXX XXXX XXXX  {$360.00}. The accounts are all paid in full. The following credit inquiries listed on my XXXX and Equifax credit report are fraudulent and unauthorized credit inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: I.C. System, Inc.
State: NJ
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:
Inaccurate information such as my name spelled incorrectly. Wrong addresses, collections were supposed to be deleted and it's still there.

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 2018-03-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan is in the process of transferring from XXXX to Navient. Navient does not have my information, and I am unable to make a payment - yet, they will continue to charge interest. I have spoken with three customer service individuals over the last two days and been told inconsistent information as to the time-frame of when I will be able to make a payment, ranging from 2-3 days to 30-60 days.

XX/XX/XXXX - Student loan was transferred out of XXXX and this was the last date that interest accrued XX/XX/XXXX - Call to Navient. The customer service rep and his supervisor both stated I may not make a payment until I receive a " welcome '' letter. 
XX/XX/XXXX - Call to Navient. Customer service rep stated I may not make a payment.

XX/XX/XXXX - Call to XXXX XXXX XXXX XXXX XXXX, Office of Consumer Advocacy. They provide assistance to consumers related to loans serviced by them, which is XXXX. However, loan left XXXX and interest stopped accruing with XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: National Credit Services, Inc.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had student loans and I did go into default and enter a rehabilitation with XXXX XXXX   XXXX. My loan came out of default and was in good standing. The XXXX XXXX XXXX then transferred my loan to XXXX but I was not informed of this transfer and my auto payments were stopped. So then my student loans went back into default. For each semester of school, it was tracked by the XXXX XXXX XXXX as a separate loan ( totaling 23 ) which showed 23 defaulted loans. These were transferred to National Credit Services back in default and are not on the credit bureau reporting. I am attempting to purchase a home and got way into the purchasing process only to find out that FHA found something pointing to defaulted student loan debt but the credit bureaues reporting did not show them. When I tried to work with National Credit Services, they are not able to offer any type of resolution to get out of default other pay in full or payments for 20 years and stay derrogatory for 20 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief