BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am about to pay off a loan with Wells Fargo Dealer Services. I am down to the final payment. Wells Fargo has twice increased the amount of the monthly payments for insurance that I not only did not need but did not ask for. They repossessed the car three times and every time I was able to find the towing company that took the car and pay the fines to get the car back. I have also not missed a payment in over 2 years, even while paying additional insurance. They double dipped on the insurance and I am not sure it was even legal to begin with. I just want this company to remove the late payments from my credit history. This never would have happened if they just left payment amount alone.

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 2023-04-13
Company: SLM CORPORATION
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
XXXX XXXX XXXX sent a balance transfer check for {$1000.00} to Sallie Mae XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX Tue, XX/XX/2023 Posted XXXX XXXX  XXXX XXXX XXXX 0 % XXXX XXXX, VA , United States XXXX has not posted the payment to my account as of today XX/XX/2023. When I sent a chat inquiry to XXXX, I was told they can not research where the check is even though they know my name, address, payee, account # s, date of check, etc. They demanded a check number, and insisted that is the only way they can search for the check. 
I spoke with XXXX and they said they sent a paper check to the correct address but can not provide check numbers or canceled checks since this was a batch processed promotion. 

Note : There was a typo on my last name when the check was issued, but information on that has been provided to Sallie Mae and corrected by XXXX. 

I am still paying interest on this missing amount and of course need it resolved as soon as possible. 

I will attempt to attache the transcript of the chat with Sallie Mae in case that information would be helpful in investigating this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Wallet was stolen in 2020 in XXXX California, My drivers license, social security and cash was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am a XXXX male attempting to buy the house that I have rented for about 8 years total. When the loan process began I was told the closing costs ( cash at closing ) should be close to about {$3400.00}. At the time I had about that much. Over time the amount needed at close got to be closer to {$6000.00}. A week or two before the XX/XX/XXXX closing date I was asked my race ( XXXX ) and then they began asking for documents they already had. For a second time I submitted all the same documents. I have screenshots of all of these. They requested a " gift '' of {$4000.00} even though I had {$5500.00} in the bank. At one point I had {$6500.00} in the bank and all I needed to close was {$5700.00}. They said they could only verify XXXX of the money that was in the bank even though I submitted paystubs as well as bank statements to show proof of the money coming in. In addition, some of the funds were a tax refund and a stimulus payment which a portion of those were taken from another account which I showed the statement from that XXXX XXXX  account to prove that as well as screenshots from the GOVERNMENT with dates to prove that was where those funds came from. I have worked as a XXXX XXXX since XXXX. They acted as if I just started my job a few months ago which is incorrect..I have been there since XX/XX/XXXX and worked for XXXX XXXX for 3 years prior as a XXXX XXXX. I feel like they should not have said " pre-qualified '' and even though I paid down all credit during the application process and my score steady dropped thru the covid season due to Quicken checking my credit multiple times and then as I am a XXXX XXXX I use my credit card over the road and pay my card off monthly ( usually ) and the score still dropped from good to fair ... that shouldn't have affected my ability to close. They claimed it was my 'verified funds ' that was stopping me. Also the appraisal was done by a market analysis and I believe {$500.00} from XXXX some information is also unfair! This house is definitely worth much more than that. But no one would know this being they never came inside.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: MO
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:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2022-04-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
From XXXX, I struggled to repay the loan and I was forced into forbearance. I am a public service worker and have been for 23 years and I am unable to apply for loan forgiveness. I have over {$150000.00} in student loan debt. I will be repaying this loan back for the rest of my life, literally. I owe more in interest than the actually loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CREDIT ACCEPTANCE IS DAMAGING MY CREDIT REPORT THEY ARE CONTINUOUSLY REPORTING INCORRECT AMOUNTS THAT I DO NOT OWE CAUSING LATE PAYMENTS AND DAMAGING MY CREDIT PLEASE MAKE THEM STOP THEY ARE REPORTING INCORRECT FALSE INFORMATION. I CANT RECEIVE HOUSING BECAUSE OF IT WE ARE IN COVID-19 AND THEY ARE DAMAGING MY CREDIT REPORT I CANT RECEIVE HOUSING BECAUSE OF IT. THANK YOU

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 2018-04-27
Company: NCC Business Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2018 The company NCC called both of my personal numbers, my fianc phone number, and work place back to back. When they called my job, the representative wouldnt give me her name, the company, just stated I need to pay a debt or its going on my credit and never going away. She just constantly just to get my to pay a random amount of {$670.00} a month for the next 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2020-07-22
Company: General Motors Financial Company, Inc.
State: TN
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:
GM Financial in XX/XX/2018 had a system wide upgrade that caused a lot of billing issue for customers. After their system came back online in XX/XX/2018 they incorrectly sent me a bill for {$38.00} instead of my normal bill for lease payment of {$580.00}. At the time I called their Customer Service and they indicated that that was an incorrect bill due to the system upgrade and to pay my normal payment due XX/XX/2018. On XX/XX/2018 I payed the full amount {$580.00} and since then they never reported to me a being late or any further issues. Now I returned the vehicles after paying in full the lease and on the Final Bill they are telling me I am past due the amount of XXXX and this amount is the exact amount if you subtract the XXXX from my normal bill in XX/XX/2018 of {$580.00}. GM Financial made a mistake and I do not owe this amount as I payed in full in XX/XX/2018 {$580.00} PLEASE CORRECT YOUR RECORDS as I do now owe the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: NJ
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:
To Whom it may concern ; Ive been working to have accurate information displayed on my credit report, I have been doing so with the following collections agency XXXX, XXXX  and Experian. In this letter, I will submit proof of numerous violations on many accounts regarding all three consumer reporting agencies, they have mischaracterized accounts, not provided legal verifications with signatures and in some cases have not met the legal burden of proof for authentic investigations, They unwilling to produce evidence of legal verification as the accounts reflect the last time an attempted verification was attempted. In some cases, they have just matched information on accounts without going through the legal verification process. They are unwilling to do proper investigations and continue to display inaccurate information despite my numerous requests to have the legal requirements met which warrants these accounts removed. Below are the sections of the FCRA they refuse to comply with adding numerous subsequent legal violations in addition to the ones they have already violated which instigated the original disputes. It is my right to have accurate information displayed and as of the day of this letter, all three consumer reporting agencies stand in violation. 
1.Void of legal verification Pursuant to FCRA sections, 609 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 1 ) ( A ) 2.Providing a consumer contract with a signature which is a violation of 611 ( a ) ( 1 ) ( A ) 3.Negligent noncompliance which is a violation of 617 Please find the attached letters Ive written and submitted to all three consumer reporting  agencies. I have also provided a detailed list of the violations listed on the respected accounts by the agency. And I will also provide not only the copies of the letters but registered mail receipts to substantiate my inquest. I have for the third time disputed these errors to no avail, I am now requesting intervention by the Consumer Financial Protection Bureau. Please find the attached proof supporting my disputes and inquiry.

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 2023-06-29
Company: DISCOVER BANK
State: NY
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:
Accordance with the fair credit reporting act XXXX  account number has violated my rights 15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 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 inquiries 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 XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
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: Account status incorrect

Complaint:
FcrA Violation bc equifax is not reporting it correctly and cant be fix they must remove the inaccurate information Enclosed years of information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them 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 2019-06-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have a address in my credit report I have never lived XXXX XXXX XXXX XXXX XXXX, fl 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 2018-10-21
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 have contacted Equifax Credit reporting agency via certified mail regarding fraudulent accounts being reported on my Equifax report as well as provide copies of my ID theft police report and fraud affidavit and as of yet Equifax has not blocked the fraudulent items as per 605 B. 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 indentifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of such receipt by such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
have received several phone messages from a phone number starting with area code " XXXX, '' both at my personal cell phone number and at my direct work line. I have not returned any messages as each voicemail was extremely vague and was suspicious. Today I received a memo from a co-worker to return a XXXX XXXX 's call at XXXX XXXX. I returned the call immediately, the phone was answered with the salutation " loss mitigation, '' and I asked for XXXX XXXX. XXXX XXXX came on the line and said he had to " gather some paper work for a complaint lodged against [ me ] '' with claim number XXXX ( I wasn't able to get the rest of the numbers and he did not repeat them when I asked ). He said he was from the legal department of a company called XXXX and wanted to verify my identity, he then proceeded to read out my entire social security number and my address and said " is this you? '' I was completely flabbergasted at this company 's lack of information protection practices and XXXX continued to badger on through the conversation and said " good, this is you. '' He then said they were retained by LoanMe regarding a debt I had and a judgement they wanted to pursue against me. I was not able to get a word in edge wise because XXXX continued to talk over me in an extremely threatening manner, he also mentioned a company called XXXX XXXX which I wrote down but again, he was talking right over me and would not repeat anything I asked him to, so I have no idea what he said regarding that company. I advised XXXX to please have LoanMe proceed with any legal proceedings they deemed necessary and asked to please not be contacted at work. He then proceeded to threaten me and said that my work was already involved because I would be garnished 25 % of my pay, along with several other threatening tactics meant to intimidate. He then terminated the phone call after saying that " If all [ I ] wanted to do is argue, [ I ] could end the call. '' I am extremely disturbed by these collection practices which are so far beyond illegal and would like this to end immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2019-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
XXXX XXXX has an account open under my name and social, that i never requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23
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 incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however, Equifax and XXXX  have not removed this from my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue but I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IC SYSTEM are attempting to collect {$250.00} debt from XXXX XXXX., which was paid, XX/XX/XXXX thru the debt collection agency XXXX ... After paying I received the confirmation # XXXX ... The derogatory mark was removed from my credit report until XX/XX/XXXX ... I've informed them of this and provided the same info ... I also disputed the claim and they refused to rectify the error. I haven't held any accounts with XXXX in years so there's no reason for this same mark to reappear after being paid.

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