BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Carvana Group, LLC
State: VA
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:
The following accounts were not authorized to access or report any of my credit information and should as such be removed immediately. The initial FTC report is attached. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
my wife and i had been trying to receive a loan modification from wells fargo home mortgage we were denied at first, then approved, then they sent the money back. we have been doing this for over a few years. the amount of fees and penalties and no response finally we did receive a modification but it put us in money owed over XXXX dollars.

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 2023-07-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Being careful, that this is not a repeat complaint. This complaint will focus on only ONE aspect of my dealings with Wells Fargo in which they have not followed through as stated. 
According to the XXXX and various other survey analysts, Wells Fargo Bank is one of the most hated banks in the Country. And I can see 1st hand, why this is true. When a Financial Institution plays games with my money, I feel very violated in a tremendous fashion. 
This complaint will focus on one aspect of my dealings with Wells Fargo. When my Email was hacked, I immediately contacted Wells Fargo, and disabled and deactivated all accounts. Even after doing this, Wells Fargo still allowed Identity thieves to go in my accounts and steal {$8800.00}. 
On XX/XX/XXXX, I contacted the Wells Fargo Executive Office and spoke to XXXX. I requested that my accounts be immediately closed, and the remaining funds of {$3500.00}, be mailed to my home address. And this is all on record. This account needed to be closed, prior to the identity thieves also stealing what was left. XXXX with the Executive Office said that this would be done ( 0n recorded phone call ). As of the date of this complaint, XX/XX/XXXX, I have yet to receive my funds. This would be a start on my Recovery of {$8800.00}, in which Wells Fargo disburshed in Fraudulent transactions, after I had all accounts deactivated and disabled. Wells Fargo will not communicate with me other than response to complaints. They refuse to answer Emails and letters, to numerous to count. In my phone calls to Wells Fargo, they refuse to answer questions. I can not understand how a Financial Institution such as Wells Fargo continues to stay in business, as they are overseen by government onersight agencies which should hold them accountable. 
I'm very upset at myself for not researching Wells Fargo, prior to trusting them with my retirement savings.

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 2023-10-25
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am the person making this complaint & I give CFPB authority to investigate this claim. After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : HYUNDAI CAPITAL AMERIC XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
HYUNDAI CAPITAL AMERIC XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
HYUNDAI CAPITAL AMERIC XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-10-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I used to have a COSTCO Citi card. They wanted to charge me for membership. I had already paid my membership in person. Yet they wanted to charge me again. When I refused to have them charge my account they kept assessing late fees. The current balance solely due to late fees is {$290.00}. They say that they can continue charging me. This has to be illegal!

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 monetary relief
Consumer complaint received 2023-10-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged overdraft fees because they let XXXX go in my account and take out {$10.00} and they didnt give me no time to put the money back

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 2023-09-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act 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 my written instructions.

Hippa Release was not provided by credit reporting agency nor debt collector.

Account status nor last activity date does not match across all 3 credit reporting agencies. I have rights to 100 % accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: EdFinancial Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Requested admin forbearance, waited the 21 business days, no documents or notes have been updated to my account, made 4 payments, two are not showing at all ( not even as processing g ) money came out of my bank on XX/XX/23. Contacted EdFinancial and rep state it could take 4 business days which would have been XX/XX/XXXX, but it's still not reflecting my payments nor a forbearance.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-25
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX I entered into a contract to buy a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

- Seller assigned the contract to Hyundai motor finance to facilitate the purchase. 

- The contract is in violation of the truth in lending act as it is missing important disclosures. 

- There has been a breach in contract as a result of the violations under TILA, Fair Credit Billing Act and state 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 2023-01-10
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me.

Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed account on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened XX/XX/14 Balance {$2300.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
See attachment! 

XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Urgent : Compliance with Federal Laws Required for Account Ending in XXXX NOTICE TO CEO, CFO AND COMPLIANCE DEPARTMENT I am writing in response to your communication dated XX/XX/XXXX, regarding the alleged XXXX account with the ending number XXXX. While I appreciate your willingness to cease communications per my request, I believe there are significant legal concerns that require immediate attention. 
Federal law 15 USC 1692c ( a ) explicitly states that a debt collector can not contact a consumer about debt collection without prior consent or express court permission. I did not provide such consent to XXXX XXXX XXXX XXXX ( XXXX ), and this raises concerns about compliance with federal law. 
In accordance with this law, I kindly request documentation that demonstrates the direct written consent, as required by 15 USC 1692c ( a ), for XXXX 's communication with me regarding this alleged debt. 
Furthermore, I am exercising my rights under Federal Law 15 USC 1692c ( c ) to refuse payment of the alleged debt and demand an immediate end to all communication, consistent with Federal Law 15 USC 1692c ( c ) ( 1 ). Confirmation of the termination of all collection efforts and the removal of account ending in XXXX from my credit report is expected. 
I am also deeply concerned about the violation of my consumer rights to privacy under the XXXX XXXX and the criminal activities committed under Federal law 15 USC 6823 ( a ) Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. Your mention of purchasing my nonpublic personal financial information without consent or written authority is alarming. I urge you to provide me the FULL purchase agreement disclosure between XXXX and Capital One bank regarding my personal information for my record in the event I have t file a Federal complaint. 
Given the recent CFPB lawsuit against XXXX XXXX XXXX XXXX, as highlighted In link below https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-portfolio-recovery-associates-to-pay-more-than-24-million-illegal-debt-collection-practices-reporting-violations/ It is crucial that this matter be addressed promptly and compliantly to ensure my rights are upheld. 
I trust that a prompt and cooperative resolution can be achieved without escalation. This letter serves as my final warning before considering legal action to safeguard my consumer rights. I am hopeful that your response will demonstrate a commitment to resolving these concerns in a lawful and fair manner. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Cascade CISS Holdings, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquired to Xactus as to why they kept showing up XXXX Credit Report as recent as XXXX, XXXX, 2023, as I have never taken out a Mortgage and that I am unemployed and live in an apartment and that until recently I was almost homeless. ( XXXX ) the clerk I spoke with provided me with information to a company named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX, phone number [ ( XXXX ) XXXX ] ; [ ( XXXX ) ] XXXX. The information XXXX from Xactus provided was inaccurate and I had to search for the correct information online. 

I contacted XXXX XXXX XXXX on XX/XX/2023 and was informed by a woman named XXXX that they are a debt consolidation company and do not deal with mortgages. That in XXXX I contacted them for debt consolidation but did not qualify and they denied me debt consolidation. I told her that I felt there was something fishy with Xactus and was placing an investigation on them. The information that XXXX from Xactus Provided me was XXXX XXXX XXXX XXXX, TexasXXXX  ; phone ( XXXX ) XXXX she lied about XXXX XXXX and involved them into something they had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Global Lending Services LLC
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:
N. Accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the credit reporting act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states a 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 2023-02-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a PayPal credit account through Synchony Bank. They offered deferred financing for 6 months on purchases over {$99.00}. Three of my purchases were expiring on XXXX. I made a large payment of {$910.00} and used the chat feature to request the payment be allocated to the purchase of the same amount. Had this been done properly, I would have avoided {$110.00} in accrued interest. Two days later, I see they missapplied the payment to a lower purchase amount ( which only carried accrued interest of {$40.00} ) leaving a balance on the purchase amount I was trying to pay. This will cause me to be charged for the higher interest amount of {$110.00}. When I called the company to have it corrected, I was told it will take 1-2 billing cycles to correct it, they also provide no proof/verification of the conversation. I received no record of the original chat, as they do not email a copy as most companies do, and you can not take screenshots of the chat. So I have no record of the conversations. It is my belief that this was intentional so that the company can collect more interest from customers. I made the payment amount for the exact dollar amount of the purchase I wanted it applied to, so it should have been " dummy proof ''. I wonder how much money they have made by doing this to customers " accidentally ''. I raised the concern that I will be charged interest on the accrued interest that is going to be applied. I do not feel that the information they provided is truthful or accurate. The agents all have fake American names ( always two first names ) and when I expressed my distrust of the company to one of the agents I spoke to, they said " just trust us ''. Everyone knows that is a major red flag when someone says that. This whole situation reeks of intentional fraud.

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 2023-06-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In XXXXXXXX XXXX XXXX I sent in a letter requesting for all accounts being reported to my credit profile to provide documentation proving that the debt belong to me and is accurate. As part of the verification, I requested the original contract signed with my wet signature and complete payment history from the original creditor. However, I received a mailed letter with neither. In accordance with the Fair Credit Reporting Act, the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX  Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C.1681 section 602 a states that I have the right to privacy.

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

15 U.S.C. 1681C. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: R.M. Galicia, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in collections from a hospital in XXXXXXXX. I have never lived or visited XXXX I have requested that they remove it and filed a police report as per their request with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief