BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-21
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:
The creditor XXXX XXXX clearly stated that the potentially negative reporting account on my credit report was to be removed. This account is continued to be reported to my credit report. This account is also reporting inaccurate information. The credit bureaus have been taking over 30 days to investigate this. This violates my rights as a consumer in accordance with the Fair Credit Reporting Act. This continued negligent reporting has been harming my livelihood as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: WELLS FARGO & COMPANY
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:
The creditor WELLS FARGO clearly stated that the potentially negative reporting account on my credit report was to be removed. This account is continued to be reported to my credit report. This account is also reporting inaccurate information. The credit bureaus have been taking over 30 days to investigate this. This violates my rights as a consumer in accordance with the Fair Credit Reporting Act. This continued negligent reporting has been harming my livelihood as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XXXX XXXX Financing the ones that financed the vehicle for XXXX auto at XXXX XXXX XXXX NY. The complains is the vehicle was over priced, also documention is showing different salary income. I realized the payment of {$660.00}. Monthly for a 2013 XXXX not fully loaded. Is too high. After speaking to the dealer, I was told to bring back in 6 months they did nothing, I spoke to the Financers CCF they ask for my income verification, I fax twice to them which proved I am paying beyond the income guidelines. They too only have empty promises. Eventually they did nothing and this is wrecking my credit because I am not able to properly make payments. Need urgent help. I can be reached at XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Alpha Recovery Corp
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Representatives from " Alpha Recovery Corp '', which is a debt collection agency, call me multiple times every day. I do owe a debt, however they are not following the terms that they have previously agreed upon, as they have not sent me all of the information regarding my debt. They claim to have a XXXX page packet from the apartment company who gave my information to Alpha Recovery, however, I still have not seen it, several weeks after first hearing about this debt. 
I have been hung up on mid-conversation, badgered about how safe this arrangement is, told that I should not get legal advice, and been told that my tone was unnacceptable when I simply asked for more information than what had been provided. I was willing to pay the amount required, they agreed date of, payment has come and gone, and still no paperwork from them. They also refused to conduct any of this business by email, stating " we ca n't do that '' I then received an email from them with a single page of information as an attachment. So they have mislead me, lied to me, and been very rude throughout all conversations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
After reviewing my credit report over a month ago, I notice an unknown debt of {$200.00} from XXXX XXXX that was opened in XXXX XXXX. I have written to the collection agency called Enhanced Recovery Co to ask for a debt validation. They never responded to my certified letter ( with return proof of delivery ). After several research, I pulled up a previous credit Report made in XXXX and noticed that another Credit Collection Agency called XXXX had put a similar XXXX XXXX XXXX balance/debt of {$200.00}, opened this time, in XXXX XXXX. The last time I used XXXX XXXX XXXX was in XXXX. I have every reason to believe that the Enhanced Recovery Co is negatively re-Aging my debt. I read from several sources that this technique was illegal. I also signed up a week ago to credit Karma to see updated info on my record and noticed that around XXXX XXXX ENHANCED RECOVERY CO put a note stating that I have filed a complaint that was resolved but they seem to have removed this note a few days later.

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 2022-05-21
Company: AR Resources, Inc.
State: AL
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 Account # XXXX, 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 a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I filed for bankruptcy back in XX/XX/XXXX, and cashnet usa was notified of such, yet I get an email last week saying they sold my loan to a collection agency and of course now this is on my credit too ( collection record ). I emailed and advised cashnet USA that it is against the law to continuing trying to collect on something that was included in bankruptcy and they needed to pull my account from the collection agency and stop all collection efforts but it still has n't been done. They continue calling me trying to collect.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: EQUIFAX, INC.
State: GA
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:
Hello and Happy Monday. I thank you for having a look at my dispute. Its going on the 3rd month that I have been trying to get these companies to validate debt as in mine. I have not received any correspondence to the companies about this matter other than a request for my id and social from XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Stranger online message me on XXXX. His name is XXXX XXXX. We talked for 3 months, and became friends. He say he help me make money in Crypto. I was convinced when he showed me that he was making money from Crypto trading. He provided me links to download Cryto.com and XXXX app on my XXXX. Since I didn't have money, I had to borrower from my credits, and applied for personal loans with institutions. The person gave me links to multiple online lenders, and I applied to all of them hoping they would lend me money. XXXX online lenders approved me : XXXX XXXX  for {$23000.00} and XXXX XXXX XXXX XXXX for {$32000.00}. I have outstanding balances on credit cards. My initial investment to Crypto was {$88000.00}. I profited {$220000.00}, and when I sold my Ethereum coin from XXXX, XXXX customer support texted me that I had to pay 30 % in " Profit tax '' in order to withdraw my money. XXXX wanted about {$74000.00} for " Profit tax ''. I wired in {$46000.00} that I borrowed from my brother, and my friend said he would send in the remaining {$30000.00}. After XXXX received the money, they told me my account number was entered incorrectly so they couldn't wire me my money, and would need 10 % deposit so they could unfreeze my account. I had my son and brothers look into this, and determined this was all a potential scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: ERC
State: AL
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 Account # XXXX, 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 a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: AL
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:
After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I have assumed a debt and I want the updated information posted to my credit file. Information, and proof of ownership is 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 explanation
Consumer complaint received 2016-04-09
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I used to have an account with XXXX XXXX. Now I am filing my taxes, I find out that my loan is owned by some company called Navient. Nobody from XXXX XXXX ever told me my lender was changing and nobody from Navient has ever contacted me. I had a fixed payment amount with XXXX XXXX before this change. It was approximately {$150.00} per month. I 've been sending {$170.00} each month to make sure I am paying the balance down. When I check on Navient 's website, it says i 'm past due because i 've been paying less than the minimum payment ... for many months. I do n't know how the funds are getting from XXXX XXXX to Navient, nor was I ever contacted to advise that my payment amount has increased or asked to agree to ANY change in terms for my account. I am not able to find any contact information for Navient. They have never sent me a statement, a single letter, or made any phone call to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I was a victim of identity theft. I am the rightful owner of a property that I have previously submitted information to this office against Bank of New York Mellon, XXXX XXXX XXXX, and XXXX XXXX. This was a predatory lending loan and I was awarded XXXX settlements now that I have yet to claim. I am looking for assistance because I was waiting for word on the settlement and now I see a for sale sign on my property by XXXX. I was told that the state denied the foreclosure but the county persisted on padlocking my property. This could be a violation of law against a XXXX person as I was declared XXXX. I am looking to claim any and all settlements in regard to this property as I paid over XXXX toward it and remained on the property until it became unlivable. Now that there has been an award I have been further victimized by identity theft and persons attempting to stake claim on my property.

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 2017-11-24
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
To whom this concerns, Navy Federal credit union allowed my Aunt whom lives with me now, and shares the same phone number as me to apply for a credit card. She added me as an authorized user on the card. The Navy Federal Credit union, applied the card in my name sent it to my home. Along with their disclosure and agreement. Also posted this to my online access account and, let me activate the card that is in my own name. 

Following activation, i am not allowed to use the card i find out that it is blocked by the security department after initializing the chat function with their Card Services department. The agent in the chat then tells me to call in and speak on behalf of the account. Per their terms and agreement which is not clearly defined. Authorized users may call and discuss the account in which they are authorized to speak on, or are a authorized user of. When i called to speak on the account the agent was very rude and said that even though my Aunt. Which is the card holder, is in the hospital there is nothing they can do about it. They have to speak to her. 

I then advised them of their terms and agreement which is the card agreement i received with the card which clearly authorizes me to speak on behalf of the account since it is posted to my online access as well as the card in my name. The Manager at that time tells me that i am correct and he will research it. 

He comes back on the line and clarifies that i did not apply for the account. I said no i did n't. He then ask what is my relation to the primary holder, I said that 's my aunt. He then tells me hold again. Comes back on the line after another 15 minutes and his tone totally changed. He then tells me now the account is not fully established now, and that i am not authorized to speak further from now on. That he is going to go ahead and tell me to have my aunt call. He then advises me if i would like to close my membership. I said no, but why do your terms and conditions say that i can speak on behalf of the account. He said then at that time, i am going to hang up i do n't have to answer your questions further. 

So now i am reaching out to the CFPB supplying the terms and agreement below which clearly define the agreement. I will also attach the card number in which is in my name as well. Please help resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: APPLE FINANCIAL HOLDINGS, INC.
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I share a joint checking account with my girlfriend. this passed spring she was victimized by an online predator ( s ) who was extorting money from her, as well as others, in some sort of ponzi scheme. This person, or people, were able to get her to send XXXX separate wire transfers totaling an amount of {$22000.00} to an Apple Bank branch based in NY. I have attempted to contact a number of representatives from the bank and they have informed me that the money was in an account who belonged to another woman who was also victimized and that the funds in the account have been frozen due to suspicion of bank fraud. My girlfriend attempted to contact our XXXX XXXX bank that the monies were sent from who told her to call the police, she then contacted the Apple Bank in question who refused to speak with her, she then contacted the FDIC who suggested we file a complaint with CFPB. My girlfriend is also not in the best XXXX health at the moment and is currently receiving health care for this. Such is the reason these predators were able to dupe her into unwittingly making these wire transfers. I ask that you please contact me, as well as the involved banking institutions so this can be resolved and our funds returned to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: AL
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:
After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data

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 2016-04-02
Company: Seterus, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Seterus, Inc. continues to report that our mortgage payment is late, at this point they have reported this for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We contacted them in XX/XX/XXXX and told them that we were going through a financial hardship because of a job loss and then having to relocate to another state once a job was found. We tried to sell the house but were unable to do so and let them know that we were no longer able to pay both the mortgage and our new rent and asked what options we had. They suggested a deed in lieu of foreclosure so we completed and submitted the necessary forms. We were approved XX/XX/XXXX and we continued to receive threatening letters from Seterus and their law group, XXXX XXXX XXXX that we owed for XX/XX/XXXX and then XX/XX/XXXX. This was all while we completed the paperwork that needed to be notarized and sent back to the XXXX XXXX XXXX. In this paperwork we signed over the property to Seterus , Inc. on XXXX XXXX. They received this packet on XXXX XXXX via XXXX. On a trip up to visit family on XXXX XXXX we went past our old home and found a note attached to the front door stating that XXXX owned the property that was dated XXXX XXXX. We are in the process of filing disputes with the credit bureaus but we would like this matter resolved and for Seterus , Inc. to stop reporting that we are still late. We would also like them to file the necessary paperwork with the county since we are still listed as the owners of the property. Therefore we have our old HOA contacting us as if we still own the property and claiming that we owe them for HOA dues for XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
SOMEONE USED MY PERSONAL INFORMATION TO STEAL MY IDENTITY AND OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT AND KNOWLEDGE THEY ALSO FILLED OUT SEVERAL FRAUDULENT APPLICATIONSI am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-06-01
Company: Experian Information Solutions Inc.
State: GA
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:
In XXXX, XXXX I submitted a FTC REPORT due to my credit file being impacted by the XXXX Data Breech. Disputes along with the FTC REPORT were mailed off to Experian and as of Today XX/XX/XXXX. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. 

All accounts were unauthorized and need to be removed XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX 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