BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been notifying the banks as well as the 3 credit bureaus about inaccuracies on my credit report for many months. I have notified you multiple times informing you and many others that the credit bureaus are not doing their job as required by Title 15 USC 1681. My personal information is private not only can they not report something without my written authorization. But they are required by law to verify and validate this information. I have sent them letters repeatedly since XX/XX/2022 and you can see clearly on the top of each page that many of these accounts have not been verified at all and many others have not been verified in months. 

This violates my federally protected rights and this needs to be addressed as soon as possible. Each violation of FCRA or FDCPA is a fine for {$1000.00} these negligent issues need to be addressed immediately! They had 30 days from the 1st letters I wrote to them months ago to validate and remove.

Attached is 1 of the 3 letters that I sent to the 3 credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: OH
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:
many inaccurate items on my credit report that needs to be removed

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 2023-06-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Ive asked for years how much I was charged for my sons tuition to XXXX was. They will never give me that information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Westlake Services, LLC
State: GA
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:
On XX/XX/XXXX around XXXX my XXXX XXXXXXXX XXXX  was repossessed by westlake financial. The owner of the tow truck showed me that westlake financial has a tracking device on my car. I was not made aware nor did I sign a consent for the dealership or westlake to track my location. ( Civ. Code 2983.37 ( a ) ( 2 ). This is one of many of my rights that westlake financial has violated. I refuse to continue making payments on the vehicle due to my right to descend. A down payment was taken from me at the day of purchase which is also against the law. Westlake stated the will apply a XXXX credit to my account which was the amount of deposit I was asked to pay. They stated my rights were violated by the dealership and not them. I am in the process of trying to sue westlake financial for violating my rights and for emotional distress but it is a bit difficult since I live in a different state.

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 2023-03-03
Company: Atlanticus Services Corporation
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by XXXXXXXX XXXX  who i have no business with and the notified me they were collecting a debt from a XXXX int purchase who i have no business with either. the representative advised me that he was a debt collector on behalf of XXXX XXXX a subsidary of XXXX int purchase. I have not given any information or giving any company the right to share my personal info social security number and telephone number. Aware of my rights as a consumer and natural person under the FCRA. These XXXX comp [ anies per representative who contacted me are Fortiva who shared my info with these XXXX companies without my knowledge or consent. 
I have asked fortiva in a previous complaint not to share my info in claim # per 15 USC 1681 section 602 A. states I have the right of privacy which for the second complaint been violated. 
I am asking for a remdy of {$1000.00} per violation. 
this has caused me extreme anxiety since i was a victim of fraud previously and have XXXX children who count on me and these calls and requests are alot to handle and manage my life due to these pressures and egregious attacks on my name, credibility and ability to maintain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am interested in disputing all incorrect information on my credit report with Equifax. please delete an remove all data that invalid information. this is hindering my report. update the info listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I CHECKED MY CREDIT REPORT AND I SEEN SOME IN ACCURATE INFORMATION. ACCORDING TO THE FCRA ALL INFORMATION MUST BE 100 PERCENT ACCURATE. THIS ACCOUNT IS NOT REPORTING ACCURATE. I SUBMITTED PROOF THIS IS NOT CORRECT 15 U.S.Code 1681e ( b ) These accounts are in violation of not reporting 100 % accuracy.

15 U.S.Code 1681i ( 7 ) Method of verification- These accounts are in violation. It was reported without valid evidence.

The accounts that I am referring to are listed below : 1. Under 15 U.S.CODE 1681e ( b ) and 15 U.S.CODE 1681i ( 5 ) this account is in violation and is not reporting 100 percent accurate XXXX XXXX Account Number : XXXX THIS ACCOUNT # : IS NOT 100 PERCENT ACCURATE MONTHLY PAYMENTS : IS NOT 100 PERCENT ACCURATE BALANCE : IS NOT 100 PERCENT ACCURATE HIGH CREDIT LIMIT : IS NOT ACCURATE LAST REPORTED : IS NOT 100 PERCENT ACCURATE DATE OF LAST PAYMENT : IS NOT 100 PERCENT ACCURATE IVE ATTACHED PROOF 2. I had never even heard of this company before! I also dont have any contractual relationship with this company COLLECTION AGENCY THATS REPORTING THIS DEBT. I SENT A LETTER ASKING FOR A CONTRACT WITH MY WET SIGNATURE. THEY NEVER SENT IT. PLEASE DELETE FAIR COLLECTION AND OUTSOURCING Account Number : XXXX Please DELETE it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a car unfairly repossessed by Wells Fargo around XXXX, they admitted in late XXXX  that the repossession was due to the bank not applying for the payments in time. I was sent a form to apply for financial compensation that I filled out and sent back but never received any response. The impact this has caused on me financially is still being felt due to the damage it caused to my credit. Ive just learned about the class action lawsuit against Wells Fargo in regards to this matter, Im trying to find out if I was listed in the lawsuit and or be added to the lawsuit for financial compensation.

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 2023-10-10
Company: Sequium Asset Solutions, LLC
State: OR
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
During the first week of XX/XX/XXXX my wife spoke to someone at Sequim regarding an acct for XXXX XXXX. My wife stated we can make small monthly payments and made a {$25.00} payment in good faith. On XX/XX/XXXX I received a call from Sequim and had my wife call them back on my behalf. My wife requested a mailed statement from Sequim and the Sequim rep stated one was mailed in XXXX and one mailed on XX/XX/XXXX. We have not received any statements in the mail and when my wife again requested a mailed statement the Sequim rep said we can get this info online. My wife then told the rep we agreed to a {$50.00} payment on XX/XX/XXXX. The rep stated there was no agreement in their system. My wife asked for a detailed accounting of how the total balance Sequim is claiming is owed is made up and Sequim stated they can not provide that. My wife then hung up and sent an email disputing this debt as the amount is more that the last XXXX bill, we asked for the name of the creditor, the acct number and an itemization of the current amount of the debt that reflects interest, fees and payments made to date. Sequim responded by saying " Thank you for reaching out to us about your account. Attached please find for your review supporting documentation concerning the debt. If your questions concerning this debt have been resolved, you may visit www.sequium.com to make a payment using your debit/credit card or checking account. Please feel free to reach out to us if you need additional payment options. '' Sequim attached XXXX XXXX statements for XXXX - XX/XX/XXXX. The XXXX statement shows a balance of {$1500.00} and the XXXX statement shows a balance of {$1200.00}. Sequim shows an account balance of {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting 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:
I'm reaching out to provide a follow up on my previous complaint about the situation in which I became a victim of identity theft. Once again, I'd like to mention FCRA Section 605B, as stated in 15 U.S.C. 1681c-1, which requires Credit Reporting Agencies to remove and block the inclusion of any items listed in an identity theft report. Please take a look at the attached documents to help with the process of blocking and removing the inquiries that have been showing up on my report. Below, you'll find a list of the unauthorized inquiries that have been recorded in my credit history : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by XXXX XXXX XXXX XXXX on I believe XX/XX/XXXX about a debt from XX/XX/XXXX from the Cash Store. When I answered the phone I was asked if I was available and if I would be at my location to receive documents. I was transferred over and spoke with XXXX who told me that I owed for the Cash Store. We spoke for a few minutes and after I contacted the Cash Store and was told that my debt was with another Collection agency. Called the Collection agency that the Cash Store Corporate office referred me to and was unable to get anyone. On XX/XX/XXXX I received a call again from XXXX XXXX XXXXXXXX XXXX processing center and was transferred to a rep name XXXX and after going back and forth about this debt and if their collection practices of this debt was legal. I was told that the debt was {$1100.00} and that they could in fact collect that amount if the debt went into ligation. The {$1100.00} was the interest and ligation fees. XXXX wanted to settle but did not confirm the original amount. After I ended the call with her she called back from a different number and I ended the call. I contacted the Cash Store Corporate office again and I spoke to someone in the Admin office and was told that the debt was sent to XXXX XXXX XXXX years ago and the amount was incorrect. The amount was only {$190.00}. I called XXXX XXXX XXXX and the agency is now closed, you can still leave a message as they still do check messages. I called back XXXXXXXX XXXX  XXXX and this time XXXX answered, he remembered me and to make a long story short. After going back and forth about the debt, the {$1100.00}, and etc, he wanted to see if he could settle with me before they moved on to ligation process. I asked to speak with the legal team and was referred to a manager name XXXX. I let her know that I wanted to speak to the legal department and we went right back and forth about the debt and their legal practice of collecting this debt. I let XXXX know that XXXX let me know that they used to be XXXX XXXX XXXX. XXXX told me she did not know why he would say that. Again we went back and forth about the debt. I let her know, like I let the previous reps know, that I will be contacting the FTC and filing a complaint. I read XXXX the article where last year in XX/XX/XXXX CFPB sued XXXX XXXX and its affiliates for Illegal Debt Practices. She disregarded the article and said that I could email to her and wanted to talk about the debt. Basically the same as the previous reps if they can not settle it then they will have to move forward with ligation process. I ended the call. She called back and I let her know that I would be filing a complaint to protect myself and looking into legal counsel since they are moving forward with the next stage of suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: ERC
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC ( XXXX XXXX XXXXXXXX ) sent a debt collection notice for XXXX for XXXX XXXX XXXXXXXX. I wrote and said it was not mine and requested documentation relating to the account and debt. It was not sent. I received a fraud packet requiring I submit a police report which I can not possibly do without info on the account. I also provided proof of residency during the time the account was opened. I live in IL and the account was opened in PA. I wrote them and explained this. They won't respond and keep threatening to report this on my credit. I am a XXXX and this seems very shady and harassing. XXXX also has dubious fraud prevention measures. Finally, I froze my credit last year so not sure how this happened at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a fake letter in the mail From Credit acceptance corporation. Letter said I owed a dept on a vehicle I have never owned. I proceeded to check my credit report to make sure there was no identity theft on my credit report which there was not. I called the number on the letter and gave them the name on the letter with the account number. They said they could not verify my account without my date of birth and social Security number. The outstanding debt on the letter was {$36000.00}. I refused to give them any personal information and they said that they can not verify my account. They did say that they would Be happy to take payment over the phone. I think that they are posing as Credit acceptance Corp because I do think they are a company. When I looked online there is alot of negative info about the company. 

Address on letter Credit Acceptance Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance to the fair credit reporting act this creditor violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states the consumer can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit card 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 explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

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 2023-10-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called to ask for the best interest rate on both cards and was told they could not offer me a better rate. Was going by market value. Which I find very unacceptable. With the interest rate I am being charged I will never pay off these cards. This bank takes half of the payment in interest. I just want to verify that this bank is not using fraudulent practices with interest rates. That they are being honest in charging me this interest rate on both 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 2023-10-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
tried to communicate with these companies as i did not contract with anyone. unknown who any of these so-called companies are. after much research i found at minimum : [ Cf. 42 USC 1985 ( 3 ) ] - deprivation of our rights, [ Cf. 18 USC 1961 ] - Racketeering activity, [ Cf. Title 18 USC 1341 ] - Mail Fraud, and [ Cf. 18 USC 1343 ] - Telecommunications Fraud, [ Cf. 42 USC 1985 ( 2 ) ] - Obstruction of the Justice, [ Cf. 42 USC 1 CH. 21 - 1983 ] - Personal Damages resulting in continual Injury, [ Cf. 42 USC 1983 Note 39 ] - Civil Deprivation of Rights, [ Cf. 42 USC 1983, Note 319, and Note 337 ] - Custom & Policy.

[ Cf. 18 USC 242 ] - Conspiracy, and under the Color of Law, [ Cf. 18 USC 241 ] - Criminal Deprivation of the Rights, [ Cf. 18 USC 872 ] - Collusion/Coercion , [ Cf. 18 USC Ch. 73 1512 ] - Criminal Obstruction of Justice leading to, [ Cf. 28 USC 1359 ] - Loss of the Jurisdiction by their Collusion, all while operating under the [ Cf. 4 USC - Desecration of the flag. ( every reference is relevant, and i am clear of these allegations ) [ Cf. The Public Law 93-579, Section 7 ( a ) ( 1 ) 88 Statutes At Large 1896, 1909 ( 12/31/1974 ), codified at 5 USC 552a ] in the Notes, states that : It shall be unlawful for any Federal, States or local government agency to deny to any individual any right, benefit, or privilege by law because of such individuals refusal to disclose his social security account number. ( https : //www.justice.gov/ ).

and [ Cf. Per the Public Law 75 -583 title 22, subsection 611 in Wex Law, ] as PUBLIC SERVANTS, they were required to produce my request and refused with their silence : Oaths of Office Foreign Agent Statements and their amendments [ Cf. Foreign Agents Registration Act of 1938 ].

Anti-Bribery Statement XXXX XXXX Secretary of State Letter of Tax Exemption Have National I.D . Card Delegation of Authority Order And any other instruments deemed by law. ], and ; Oaths to the United Nations ( UN ) All codes, rules, and regulations, are for government authorities only, non human/Creators in accordance with Gods laws. All codes, rules and regulations are unconstitutional and lacking due process [ Cf. Rodriques v. Ray Donavan ( U.S. Department of Labor ) 769 F. 2d 1344 ( 1985 ). ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase.com demands accepting two new customer service legal agreements when logging in. One of them is in excess of 100 pages long, and viewing it times out, which makes reading it impossible. 

In essence, Chase locks customers out of their accounts unless they blindly accept a legal agreement with unknown consequences. 

Please compel Chase to send all customers a detailed email pointing out all changes to the customer agreement.

Company response to consumer: Closed with explanation