BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I purchased a vehicle from XXXX XXXX XX/XX/XXXX. I was told that my finance company was XXXX. Which is also the name on my contract. When I attempted to make a payment to XXXX I was informed that they were not the ones holding the account. I then went back to XXXX and they told us that they had changed the finance company and they were not required to let us know. I asked if they wanted the truck back and they said no but to sell it if I wanted to. Wells Fargo reached out to us through mail to let us know that they were the lien holder. I did not feel comfortable sending money to a company that just appeared saying that I owed them with all the fraud going on in the world. I attempted to send them a bill of exchange to satisfy the alleged debt it was returned to me. Wells Fargo then continued calling saying that they did not receive anything and so I sent it again. I received a letter on yesterday XX/XX/XXXX stating that they are the lien holder after investigating and that they do not accept negotiable instruments. I sent in a Notice of Dispute requesting the verification and validation of the debt. I've been threatened with repossession and harassed with calls from XXXX and Wells Fargo after I've asked to be contacted by mail only. They have violated the telephone consumer protection act 47 USC 227. Such conduct from Wells Fargo and XXXX has caused me to suffer sever humiliation and embarrassment, emotional distress, and physical discomfort. They have violated 15 USC 1692 ( C ) of the Fair Debt Collection Practices Act by harassing me regarding this debt. Fact, the fourth amendment is intended to ensure that the right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and XXXX, shall not be violated, and no warrants shall issue, but upon probable cause, supported by oath or affirmation and particularly describing the place to be searched and the persons or things to be seized and my fourth amendment right has been violated so be it. I also made a down payment by trading in my truck. The Finance charge does not include cash however, my trade in was taken for cash value. The finance charge is also supposed to include insurance however I had to purchase my own insurance. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. I got this truck because I needed something to dependable to get me back and forth to work to provide for my family and myself. I do not believe that I was informed of all the extra fees and my ability to rescind.

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 2017-06-27
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Conn 's credit corp r eported my account as 30 days past due for  XXXX /2015 and I have never been late on my account. I even have pay statement from my chase bank where they debited my account for the amount owed. I have tried several times to have the issue resolved with them, but to no avail and it is been reported on my credit as late for 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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:
A bankruptcy was filed in XXXX. I was a Victim of identity theft and was unaware until XX/XX/XXXX. I have provided court documents to all three bureaus with no resolution. I would like to know that this attempt actually results in this item being 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 non-monetary relief
Consumer complaint received 2019-11-30
Company: EQUIFAX, INC.
State: NV
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:
There are a few accounts listed on my credit report that I don't recognize, have a contract with or know who they are. Please delete them from my credit reports. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
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:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I contacted nys hesc about my student loans, back in XX/XX/XXXX, at this time i was told upon making my sixth payment it would be reported to the credit bureaus as paying as agreed, I have contacted the credit bureaus, XXXX, XXXX, & XXXX with letters sent by certified mail and still to this date I have a duplicate account amount of {$20.00}, XXXX, which shows twice as making me owe XXXX, I just had XXXX pull the report yesterday and it shows duplicate accounts, nyshesc has yet to respod back to me about this duplicate account and updating the report when I began making the monthly payments of {$68.00} as requested, I phoned the nyshesc on XX/XX/XXXX for an update on my payments and was told they do not report payments I sent a letter on XX/XX/XXXX to the agency I have not received a response, Im asking that the duplicate amount be removed of my credit report and payments as agreed be reflected. 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 2021-03-11
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:
I have a late payment with XXXX XXXX. I sent a letter on XX/XX/2020 and I haven't received a response. My payments were on autopay and I see received a late payment. I need this removed. It's only fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Escrow and Title Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint against Bell Title Agency and demand for Evidence of the payment to XXXX XXXX XXXX on my behalf. 

Dear CFPB, please find my complaint against XXXX XXXX XXXX and Bell Title Agency and my demand to produce me proof of wire transfer receipt to evidence Bell Titles payment to XXXX XXXX XXXX on my behalf, from my alleged loan with pretender Lender XXXX Mortgage. 

On XX/XX/XXXX I had a closing with Bell Title XXXX XXXX XXXX XXXX who was my closing agent. 

According to Bell Title agent XXXX XXXX, Bell Title allegedly received wire transfer from XXXX Mortgage as my loan and presumably made a payment on my behalf to the sellers alleged lender XXXX XXXX XXXX for his $ XXXX mortgage in XXXX. 

However, XXXX XXXX apparently has absolutely NO records or any proof of any money received from Bell Title or anyone else neither on XX/XX/XXXX or any other time. 

On XX/XX/XXXX XXXX XXXX team informed me that they received enough money sometime in XX/XX/XXXX (! ) but failed to identify when, who much and from whom XXXX XXXX received these money. 

On XX/XX/XXXX XXXX XXXX team asked ME to provide them evidence of payment on my behalf! 

I can not provide them any evidence of payment on my behalf since it was allegedly made by Bell Title who refuse to provide me any evidence of receipts of wire transfer from XXXXXXXX XXXX  or any receipts of wire transfers from Bell Title to XXXX XXXX on XX/XX/XXXX or whenever Bell Title send these money to XXXX 

I demand Bell Title to provide me proof of receipt of payment on my behalf to XXXX XXXX XXXX, when exactly this payment was made ; who sent this payment to XXXX ; and how much money was sent. It must be a copy of wire transfer, or cashier '' s check or ACH ; and the warranty of payment by Bell Title 's responsible officer who made this payment. 

I demand XXXX XXXX XXXX to obtain proof of wire transfer ( ACH, cashier 's check ) receipt from Bell Title sent to XXXX on my behalf and provide me a copy of this receipt since Bell Title never provided it to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
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:
Please remove all inaccurate information from my credit file.     The following hard inquiries are errors and/or unsolicited hard credit applications :  1.    XXXX   XXXX   XXXX   XXXX ,  XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX  2.  XXXX   XXXX   XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   3.    XXXX    XXXX / XXXX / XXXX   4 .   XXXX   XXXX    XXXX / XXXX / XXXX   5.    XXXX     XXXX / XXXX / XXXX  The following accounts should be deleted immediately from my credit file as they do not meet FCRA reporting requirements :  1 .  XXXX    XXXX     XXXX   2.    XXXX   XXXX   XXXX   XXXX   3 .  XXXX    XXXX     XXXX  4.    XXXX     XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Ad Astra Recovery Services Inc
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took out a payday loan at XXXX XXXX on XX/XX/XXXX, and subsequently was unable to pay. They sent it to their collection agency, Ad Astra Recovery. I filed for Chapter XXXX bankruptcy on XX/XX/XXXX and they were included in my case. They are still reporting on my credit, and I have contacted them in regards to the issue, and they 're always rude, even after I made them VERY aware that I had filed and they were included. The amount shows {$430.00}, and that the account is still open. I even gave them my bankruptcy case number, as well as the number to my attorneys office. I am trying to start my credit profile over again, and I have been denied a few things all because of this inaccurate status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2022-09-05
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. They violated my rights numerous times. I demand the bankruptcy listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this information listed below. 

XX/XX/2017. Reference # XXXX. US BANKRUPTCY COURT-TAMPA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request deletion of the following inquiries in my credit profile : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX. I am a victim of identity theft and do not recognize making these inquiries. I ask that the items be verify and deleted to correct my credit report. Thank you very much for your time and service.

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 2022-03-09
Company: Experian Information Solutions Inc.
State: NC
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:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2017-09-08
Company: CORELOGIC INC
State: GA
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:
I did not authorize this company to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and it is affecting me getting credit.

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 2022-03-09
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 2020-07-28
Company: Flagstar Bank, N.A.
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:
Reported hardship to Flagstar bank in response the COVID pandemic during the month of XXXX. Flagstar bank initiated the forbearance under the XXXX XXXX but still reported the month of XXXX as delinquent to all three credit bureaus. I have disputed this with all three credit bureau 's but they were unsuccessful at removing the derogatory remark. I have also reached out to Flagstar bank but they have been uncooperative in helping to remove this inaccurate remark on my credit report. I am now unable to refinance my home at a lower rate due to this report as VA require no missed payments in 12 months. Your help in this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a XXXX XXXX XXXX  XXXX on XX/XX/XXXX from XXXX XXXX of XXXX, who was able to find me financing through Regional Acceptance Corporation, located in XXXX, NC, in the amount of {$23000.00}. I made ten monthly payments of XXXX ; therefore, in XXXX of XXXX, I contacted XXXX  XXXX XXXX to inquire about refinancing my vehicle to have the monthly payments decreased. I was denied for the refinancing and the XXXX loan specialist informed that my vehicle was purchased at an interest rate for 14.95 % and amount that was financed was {$24.00}, XXXX. He informed me that, although, I made ten monthly on-time payments for XXXX that my balance has only decreased to {$22000.00}. Unbeknownst to me, I was a victim of predatory lending and If I knew this purchased contained such conditions, I would have never agreed to such an egregious agreement. Please rectify this situation.

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 2023-02-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated 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 mv written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: TN
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 have violated my rights : XXXX  XXXX Account # XXXX ; XXXX XXXX XXXX XXXX Account # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 section 602 A states, I have the right to privacy.

15 U.S.C. 1681 section 605 A section 2 states, consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have violated my rights : XXXX  XXXX Account # XXXX ; XXXX XXXX XXXX XXXX Account # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX 15 U.S.C. 1681 section 602 A states, I have the right to privacy.

15 U.S.C. 1681 section 605 A section 2 states, consumer reporting agency can not furnish an 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 2017-06-27
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I signed a Parent Plus loan for my son back in XX/XX/XXXX and XX/XX/XXXX. He needed the money for living on campus. His tuition was pretty much paid for through federal loans, and it is a state school so it was a little more affordable. The problem is is that someone went online and signed my name for 5 additional loans! I told Navient ( my server ) that there is no way I would have agreed to those additional loans. Apparently, everything is done online and they just need your initials to approve on it. However, not only would I not have agreed to more loans ( as I 'm a single mother that makes around XXXX a year ), I was dealing with a foreclosure on my home at the time. I could n't even qualify for a loan for my daughter around that time when she applied to college. I did n't think I could qualify for any additional loans. Navient claims that I could have " less then stellar credit to apply '' ( their words ), yet I did n't have credit at that time. Now, I 'm trying to make a fraud charge, yet I ca n't seem to reach that department. I agreed to pay the first two loans as that is something that I agreed to, but I ca n't pay for what would amount to around 100,000 dollars. My question is why did no one call me to see if this was something I would agree to? I think a telephone conversation should have followed up with a loan agreement. Would n't it be considered a red flag if you sign so many loans in a given time? I feel like there are not enough checks and balances and protections for co-signers? I 'm really not sure what to do. I may not get out of paying the additional loans. I really need some advice.

Company response to consumer: Closed with explanation