BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-04
Company: WELLS FARGO & COMPANY
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
This is a small complaint about Wells Fargo 's procedures for a Certificate of Deposit : My CD for several thousand dollars was going to mature. I wanted to renew it with a different term. So I called a couple weeks before the maturity date, and an agent told me that I could not put in an advance order for the change, but to call again on the maturity date. I called on the maturity date, and the bank was closed. I called on the day after the maturity date, and an agent told me the CD was already renewed, and could not be retroactively changed. I really think the procedure should be more accommodating!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: DFC Global Corp.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Aspen Finance on XX/XX/2020 and I have no recollection of doing any business with Aspen Finance. I contacted Aspen Finace, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX-Account number XXXX, XXXX XXXXXXXX XXXX- Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXAccount Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has Violate My Rights.

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

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

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 2022-07-26
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company hasnt verified or validated any contract with me or this company CREDIT CONTROL CORP. I have no alliance or knowledge of this company which seems to be a third party agency that I didnt authorize of any of my medical info including bills etc which is protected by HIPPA this company is misleading CFPB and contradicts their last response. They havent verified anything in regards of this debt or disclosed any contracts with them directly and for its perjury. I challenge this company to disclosed any signed documents/agreements with me and this company to the CFPB and myself. If they dont I will seek legal litigation and will be compensated damages for violating my rights. This never even updated the status as an dispute with the bureaus before which is illegal and i have evidence. They need to stop reporting debt to the bureaus remove reports cease and desist. I WILL NOT SHARE COMMUNICATE or AGREE TO ANYTHING with this company that I have no contracts with. I will take legal actions if they keep using antics and committing perjury

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: SF VAGO, LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My vehicle loan has very high interest rate ( 8.14 % ) and very high interest to principal. It was transacted in XX/XX/XXXX with State Farm Bank. Payments were made on time through XX/XX/XXXX. In XXXX, XXXX a two-month extension was approved for financial difficulties. Payments again were made on time thereafter from XX/XX/XXXX through XX/XX/XXXX. 

Again, during the pandemic in XXXX and loss of 2 jobs, in XX/XX/XXXX, an extension was offered and taken for XXXX, XXXX and XX/XX/XXXX. Payments were resumed in XX/XX/XXXX. 

Presently, I find it a struggle to make these payments and have been in contact with collections to let them know since early XXXX of my difficulties. I have continued to make payments as I am able but I am in a 30-day late status at this time. 

During recent efforts to understand where I am, I shockingly noted that on-line statements do not reflect any principal payments made to my account since XX/XX/XXXX and I can not get a satisfactory explanation why all payments made since then have gone for interest only. After several unsuccessful attempts on my part to call to get an answer, My Agent, XXXX XXXX, then got involved and attempted to a have loan support supervisor call me back and explain line by line explanation for each month on the loan starting XX/XX/XXXX and running through the present : Beginning balance Payment made Payment applied ( principal, interest? ) Fees charged. 

We both requested this on Monday XX/XX/XXXX, and requested a return call no later than 48 hours after the formal request. It is now late in the afternoon XX/XX/XXXX and I have had no return phone calls. They sent the agent a print out that looks exactly like the on-line statement, which the agent suggested was not intelligible. ( attached ) I believe this is a predatory lending practice and I certainly did not know or understand that past the extension for Covid relief, I would not be gaining any ground by any of the {$740.00} payment applied to the principal. Consequently, I am now underwater on this loan and can not sell the vehicle to repay this loan. 

It seems to me that the " relief '' offered for compassion during a pandemic became a way to rip me off with an already high interest rate. Within the last 2 years, I tried to refinance this vehicle loan with State Farm but was turned down on my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Affirm Holdings, Inc
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting nonsense accounts that are NOT late and PAID they are reporting as LATE WHEN NOT. I WANT THEM REMOVED ASAP ACCOUNT NUMBERS BELOW XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Complaint : ( XXXX  ) account # XXXX has violated XXXX XXXX XXXX XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX  ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b. Experian XXXX XXXX, and XXXX, must remove all information reporting from and relating to ( XXXX  ) account # XXXX including third party debt collection accounts associated with ( XXXX ) account # XXXX because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.

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 2015-06-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Other* Details Wells Fargo is my mortgage servicer. I have been in the process of divorce for almost 3 years now which is what put my mortgage into foreclosure. At the last hearing, the attorney for Wells told me and the clerk of court they would give me an additional 90 days if I requested it to work out my legal issues. I requested 90 days and they gave me 45. They requested a final divorce decree and a quitclaim deed. I was able to obtinain a divorce decree and am currently in the process of negotiating the quitclaim deed. The court system in XXXX county has been extremely slow and we have had no success negotiating individually. It is my plan to request an emergency hearing with the judge to force my ex-husbands signature which should not be a problem. The court has already found he has abandoned the marital home. They also filed an injunction to keep him from forcing the home into foreclosure. I have requested an additional 45 day extension on my foreclosure date so we can complete the remaining legal issues. I am one week from my foreclosure date and Wells told me today they will not give the extension and they will not review my file. When I asked what the appeals process was they told me there was n't one. When I asked who made the decision I was told they would not give me that information. I feel like they sent me on a very expensive and time consuming wild goose chase to keep me busy while they continued the foreclosure process. XXXX XXXX handles my account and it takes over a week to get in touch with him. I have provided every legal document they have asked for and call daily to see if they need additional information. The 45 days I am asking for would total 90 days which is what I was told they would give me in the first place. I am confident we can get the quitclaim deed but they need to give me the time needed to get it. Because my ex-husband refuses to sign any papers I need the quitclaim to do a loan modification. If the house is sold we have nowhere to go. I live in the home with my XXXX children and XXXX is XXXX. I am not asking for more than the time promised and I have done everything they have asked of me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX on XX/XX/2019 and I have no recollection of doing any business with XXXX. I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter

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 2022-04-21
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The fraudulent information listed below is showing on my credit file but is not mine. Please remove the fraudulent information immediately from my file. 

Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Account : 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 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After receiving verified account accuracy from the credit bureaus on a reported bankruptcy. 

I the contacted the United States District Court XXXX Division who confirmed that they do not furnish information to credit bureaus. 

How can this information be 100 % accurate if it was not received from the actual alleged furnisher? it was received by a third party? 

On XX/XX/2021 I mailed an affidavit of truth to XXXX XXXX stating but not limited to XXXX XXXX is illegally furnishing information on and to my consumer report that I did not consent to nor authorize and violating my rights to privacy. The way such information is obtained is unethical and against the law.

15 US Code 1681a ( 4 ) Congressional Findings and Statements of purpose ( a ) accuracy and fairness of a consumer report. ( 4 ) There is a need to insure that a consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect to a consumers right to privacy.

15 US Code 1681b ( 2 ) Permissible Purpose of a consumer reports : Any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES.

15 US Code 1681a ( e ) The term INVESTIGATIVE obtained through personal interviews with neighbors, friends, or associates of the consumer Transunion never Conducted a proper investigation. No documents of verification methods were provided.

And an unrebutted Affidavit from XXXX XXXX serves as Truth.

I am a federally protected consumer and natural person. Under the FCRA 100 % Accuracy and Verifiable is what Congress permits and the 14th Amendment protects my privacy.

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 2016-08-22
Company: WELLS FARGO & COMPANY
State: ND
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
The bank used their legal firm to file a Sheriff 's Sale Foreclosure against myself wrongfully. Attempted to contact both the bank and their legal representative multiple times to notify that they are picking on the wrong person. In this case I am actually an innocent relative of one of the persons named in this suit. The legal firm, nor the bank have issued a retraction or apology. I was not a resident at the time the defaulted loan was issued.

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 2022-04-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

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 2017-04-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Hello, the interest rate of this loan is variable and it 's never dropped below 10 %. I asked for Navient to give me a break on the interest because for as long as I 've been paying into this loan, its principal balance has n't dropped. I am not able to pay into it as much as I 'd like because I have hardships mainly due to my medical expenses ( XXXX ), but that 's not something they consider. There 's been a lot of time and money lost between now and when I got signed on with them and I have n't got anywhere. After several emails and phone calls with them, they 've refused to give me any help paying this off. There was a time where I could n't pay into it at all and they were calling me relentlessly, at work especially and late in the night when I had already gone to bed, switching between XXXX numbers and private numbers. Of the options given below, I can only choose one, but the list below better describes my issue. These arent all of them. 
1 ) Ca n't repay my loan. 
2 ) Dealing with my lender or servicer. 
3 ) Received bad information about my loan. 
4 ) Getting calls about my loan. 
5 ) Having problems with customer service. 
6 ) I ca n't repay my loan. 
7 ) They wo n't refinance my loan to help me out. They 're perfectly fine with me paying them interest for the rest of my life. 
Thanks for any help that can be rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2022 I pulled my credit reports and noticed several accounts XXXX and Experian are reporting inaccurately. On both credit reports Experian and XXXX are reporting inaccurate and unverifiable late payments on 4 accounts. on XX/XX/2022, I mailed XXXX and Experian letters disputing this information and demanding verifiable proof that this information is accurate, up-to-date and true ( see certified tracking slips + letters attached ). I have never been late and I know for a fact I have never been late more than 30 days on any account I have ever owned. XXXX exhibits attached. 

On XX/XX/2022 I contacted XXXX ( an account both CA 's are reporting inaccurate late payments for ) and I spoke with 2 representatives at XXXX PM EST, using number XXXX, XXXX and XXXX XXXX # XXXX in the Members Resolutions Department, regarding the alleged late payments. Both representatives CONFIRMED that the information is indeed INNACURATE. 


This information is inaccurate and hurting my credit worthiness. My rights are being violated when both credit reporting agencies are failing to ensure all information placed on my consumer credit report is verifiable and true. I don't appreciate my credit reputation being damaged in any way.

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