BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-11
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello - I just realized, after reviewing the latest escrow shortage document from  Flagstar Bank, my mortgage lender, that I 'm being charged mortgage insurance. I should not be paying mortgage insurance as my principal to house value is currently at 62 %. I 've calculated that Flagstar owes m e {$6100.00} in payments for mortgage insurance that I should not have had to make. Please see the uploaded document for the calculation.

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 2023-08-22
Company: EQUIFAX, INC.
State: AZ
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:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy DEPTEDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

9. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My XXXX XXXX  account was closing, so I decided to bank with Wells Fargo instead. I made my initial deposit of {$1000.00} to them ( {$500.00} for Checking, {$500.00} for Savings ). 
I was accepted and they took the money, and only later come to find out that they closed my account ( s ) down for no reason. 
The issue I'm having is, they didn't even give me a check for the {$1000.00} I put into those accounts or made an attempt to reverse the transaction. I've called multiple representatives at Wells Fargo and I've told the same thing over and over, that the {$1000.00} was never put into the account. But this is a bold-faced lie. I have the Transaction Confirmation from XXXX XXXX  telling me differently ( with tracking numbers from with Wells Fargo 's name in it ) and they unlawfully took {$1000.00} without attempting to reach out and give it back to me. 
So in short, Wells Fargo owes me my missing {$1000.00}.

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 2021-11-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
This complaint was previously submitted by my husband on my behalf. Toyota Financial 's response was to obfuscate and avoid the issue by saying that he wasn't authorized to act on my behalf. The issue remains without resolution and needs to be addressed.

Complaint Regarding Toyota Financial Services ( TFS ) and Collection for Personal Property Taxes ( PPT ) my husband and I have been trying to resolve an issue related to personal property taxes assessed on the lease of a XXXX XXXX XXXX. The lease has expired and the vehicle was returned without issue on XX/XX/XXXX. In early XXXX I received a bill from TFS for my share of property taxes for the 1st half of XXXX, listed as {$100.00}. I have no issue with the fact that some PPT is due, rather the issue is related to the amount and determining the appropriate calculation. Because I doubted the accuracy of the {$100.00} amount we called TFS to ask for a copy of the tax bill and an explanation of how the amount due was calculated. After going through the on hold period we opted for a callback which I got about 2 hours later. Unfortunately, the representative was unable to provide the specific information but he promised to have a copy of the tax bill mailed to us so that I could do my own calculations. What I received was another copy of the bill for {$100.00}. Today we called TFS at XXXX and opted for a callback after being informed there was a 1 hour and twenty minute hold time. I received a callback from XXXX at ( XXXX ) XXXX at XXXX. Unfortunately the call disconnected before any meaningful information was shared and I have yet to receive another callback ( its XXXX now ). Now this may seem like making a mountain out of a molehill but if TFS is arbitrarily billing customers for PPTs that are inflated and inaccurate they are unlawfully profiting from their customers. My husband called the county tax office and verified that the PPT on that vehicle for the 1st half of XXXX was {$190.00}. TFS was initially billed for the entire period but was sent a corrected prorated bill of {$83.00} based on a disposition date of XX/XX/XXXX. Because we returned the vehicle on XX/XX/XXXX, my calculation says that were responsible for {$58.00} ; certainly not {$100.00}. I dont want to make unfounded accusations but sending bills for XXXX without corroborating documentation showing the validity of the charges is a questionable practice. Add to that a customer service organization that is next to impossible to reach and very unhelpful when they are reached and you have a recipe for frustration that likely leads most customers to just pay up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX are reporting incorrectly that I am 90 plus days past due on the XXXX/XXXX  accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 and 4 of the  attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: ACIMA CREDIT, LLC
State: MS
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ACIMA  CREDIT  XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
I made several attempts to obtain my credit report thru XXXX XXXX XXXX but I was unable to get 2 of my reports XXXX and Transunion. My conformation number for XXXX is XXXX report date was X/XX/2017 XXXX XXXX XXXX address. XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I sent a dispute letter ( 609 ) to the threXXXX credit bureaus XXXX, Transunion, XXXX on XX/XX/XXXX, asking for them to verify the items on my report one in particular the Student Loans from XXXX XXXX and the Department of Education XXXX XXXX were both reporting student loans twice and sent highlighted copies of my report to all three companies along with two forms of identification etc. On XX/XX/XXXX I received a letter from only XXXX saying they were unable to honor my request of sending a revised copy of my report because no specific credit grantor was provided. Again I sent them highlighted copies of my report and highlighted every error that I saw on the report along with the credit grantors. I have yet to hear from the other companies they had 15 days to respond that time has passed. In addition, as I'm writing this letter the President just forgave $ XXXX {$20000.00} in student loans. 
The FCRA also states that credit rating agencies must remove negative credit information after seven years and bankruptcies after seven10 years ... and due to the fact that the reporting agencies can't verify said items then they must be deleted and I should be supplied a new credit report showing the deletion please and thank you. 
In addition, If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) properly delete that item of information from the file of the consumer or modify the item or information as appropriate based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2021-04-07
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I tried using MoneyGram to transfer funds from my XXXX XXXX to my bank debit card. {$2500.00}. The transaction was canceled for some reason and they had already removed the money from my emerald card. They said 3-10 business days to get the refund. Its been all of 10 business days and have not gotten anything. I reached out to MoneyGram to find out what was going on. They told me it was refund that same day and to contact my bank. I contacted XXXX XXXX  and they told me that the transaction was pending and money gram was holding my money. I dont know what else to do. Nether place seems to know where my money went

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Last summer I started receiving letters from Cavalry Portfolio Services about a collection owed. I sent a letter to establish whether this was even actually anything belonging to me. They in turn responded with a letter stating it was and they would resume collection efforts. Not knowing my rights as a consumer and wanting to get them off my back and stop the harassing calls and letters I requested that they provide the original paperwork with my signature. Disappointingly nothing ever came except for some ineligible pages of some statements. After educating myself I realized I should have done more research. I've sent more dispute requests after the fact, to the credit bureaus, and debt validation letters and I'm getting no response or they are stating the debt is valid. No one has actually provided any evidence that this was in fact my debt. This negative reporting is hurting my credit report tremendously and prohibiting me from being able to purchase my first home. Secondly, I can not find them as a licensed collection company in the state of Illinois, perhaps I'm missing something. I was reading somewhere that collection agencies have to be registered in Illinois to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I sent an amount of {$300.00} to my account in XXXX and my bank did not accept the transaction so I requested a refund to Western Union, the same day they confirmed the refund and informed me that in 7 business days would be available on my account but after that time determined by themselves the value was not available on my account.

I returned contact with the bank and they apologized and informed me that in 2 4 hours would be available, and since then I contact them EVERY DAY, for more than a month, and they always inform me that in 24 hours will be available and it never is. Last Sunday XX/XX/XXXX I was informed of a withdrawal number in which I could go to any Western Union closest to my house and withdraw the money, but I was informed that there was no withdrawal available for that number. Every time I contact them, they ask me what my relationship was with the person who sent the money, even though I said it was myself. They can't solve my problem and I've been trying to get my money back for more than 1 month, which should only be 7 business days and they give me no positioning as to when I can withdraw this money because every time I contact they tell me that in 24 hours someone will contact me and no one will contact me.They said they were going to call me but they called me once but i said couldnt talk as i as working and they never called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Carvana Group, LLC
State: TN
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 purchased a XXXX XXXX XXXX # XXXX on XX/XX/2022 I had an auto loan with XXXX, but refinanced it with XXXX XXXX XXXX XXXX. XXXX was paid off on XX/XX/2022 and they sent a lien release on the title. However, XXXX XXXX XXXX XXXX still can not place a lien on the title because the title is not clean. I reached out to XXXX XXXX XXXX 's XXXX in XXXX XXXX, TN to find out why there is no clean title. Per the XXXX XXXX XXXX, the current lienholder on the title is Carvana. I do not owe Carvana money on this car, nor have I ever. Carvana should not be the lienholder since financing was never done with them. I reached out to Carvana back in XXXX when XXXX told me that Carvana would never release the title to them. Carvana stated they didn't have it. No one has ever been able to obtain a title to this car. Today I found it it was because Carvana is in fact listed on that title as the lienholder. In essence, they are blocking the actual bank that is financing this car, XXXX XXXX XXXX XXXX, from placing their security XXXX on it, resulting in me having an unsecured loan. XXXX XXXX XXXX XXXX is telling me now that since I can not produce a clean title, my interest rate is going to go up, which will result in a payment increase of over $ XXXX. It is not fair that I have to pay an unsecured interest rate on a car that Carvana will not release the title to. They sold me the car, it should have a clean title. XXXX XXXX XXXX XXXX wants me to resolve the issue and get their title to them. I don't know how at this point. I need some help with this. I am just now finding out that Carvana is in fact the problem, as they made themselves the lienholder during titling and never released it. 

XXXX XXXX XXXX XXXX XXXX XXXX department located at XXXX keeps sending me letters stating I need to give them information so they can place the lien. I am unable to make that happen. Carvana is the only one who can because they are listed as lienholder. Now XXXX XXXX XXXX XXXX has sent me a letter referencing account # XXXX saying my APR is going up. I was told verbally on the phone 2 weeks ago that they have waited long enough and my rate is set to increase on the next billing cycle. I feel helpless because no one involved will help me. I can't afford to pay additional payment amounts because Carvana wants to tie my title up and won't make an effort to release it. 

XXXX XXXX XXXX XXXX will only communicate by snail mail, no email, so every time they have sent me a letter or form, the difference in postmark date VS receipt date is over 20 days. Time is of the essence with this and every time I think it is resolved, I get another letter from them that has been in USPS route for over 20 days from CA to TN. A phone call or email would be nice, but every single step is snail mail. This has had a great contribution to the time delays with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: ROC Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The company has only called me once. They repeatedly contact family members to the point of harassment. They are asking family members to provide information to them after already being told to stop calling them.They have threaten to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

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 2017-06-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My home address for the last 38 years has been  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx,  XXXX . We did have at  one  point a property on  XXXX   XXXX   XXXX   XXXX   XXXX , Tx. On my credit report, there are two addressess I have never lived at and I have no idea who they pertain to, these addresses are   XXXX   XXXX     XXXX   XXXX ,  XXXX   XXXX , Texas  XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  and  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX , tx  XXXX .

Company response to consumer: Closed with explanation