BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-18
Company: OLD NATIONAL BANCORP
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
Donated the car to a charity. 

After the donation find out the bank has a lien on the vehicle and never released the lean so the person who purchased the vehicle can't get plates. 

Attached is evidence the lien was paid and XXXX XXXX  was supposed to release it Also attached is evidence XXXX XXXX  still has a lien with the DMV

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 2021-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had a complaint case ( # XXXX ) with Bank of America. 

There are 2 payments scheduled deliver on XX/XX/2020, one amount {$4200.00}, another amount {$3100.00} from my HELOC account to XXXX XXXX tax collect department. The bank sent XXXX XXXX tax collect department 2 checks. When XXXX XXXX tax collect tried to cash the checks, they were rejected. Now it passed the deadline of property tax payment and I'm facing penalty. The problem is still not resolved. Bank of America told me they even can't find the checks were tried to be cashed. 

I have the second installment payments which are on the same situation and I worry they will be rejected too.

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 2022-06-21
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 cannot furnish a account without my written instruction.

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 2022-06-21
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX XXXX XXXXXXXX It shows that this account was opened in 2018. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.

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 2022-06-21
Company: Experian Information Solutions Inc.
State: LA
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-05-20
Company: Navient Solutions, LLC.
State: AZ
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:
Navient Account # XXXX Late payment month : XXXX XXXX  90 days late. 

This account is being reported incorrectly. How does it report 90 days late but not 30 or 60 days late. I have contacted the company to fix it but no response. There should be no late payments on this account. 

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 an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the inaccurate accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : 11 XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance XXXX {$600.00}

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Trying to find out how to file a claim against Wells Fargo for their fraudulent banking practices on a mortgage from 2012

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 2022-11-23
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have my account with TD BANK, account info : Company name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Account # : XXXX Just find out I have been debited for {$880.00} monthly since XX/XX/2021. It means a total {$11000.00}. Bank says they cant return the funds, dont have any information about the vendor. Dont know what else to do. 

Is too much money and the money keeps going sour form my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
may car got repo and it was in good driving conditions. I told them to come get the car because I could n't afford the note due to my divorce. but I never heard from this company again after they came and got my car. i 'm sure the sold the car more than its worth but they still holding me accountable for the car. and I want them to take this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions 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:
I am writing to delete the following information in my file. the items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-08-19
Company: Carvana Group, LLC
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: Account information incorrect

Complaint:
I am resending this to Carvana as they asked me to refile it with my information and email on file through there XXXX company.My name is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/68 and my email on file is XXXX, I purchased a vehicle through XXXX and a hour after purchasing it all the lights came upon inspection, the vehicle was deemed Un drivable, dangerous and extremely unsafe. In contacting the company, they refused to pick up the vehicle even though it shouldnt be driven..They promised to put me in another vehicleThey did but made me put down more money to get in another vehicle.Upon leaving this vehicle was squeaking, and shaking.. They told me to contact there repairs center, I did noone contacted me back.. I had to contact corporate for them to contact the repair center to contact me back.The repair center came out to repair the vehicle 3times and it still had issues. I spoke to XXXX XXXX, they made a contract stating I had till a stated date to turn in vehicle and receive my deposit back and that this wouldnt be placed on my credit as late or otherwise until after the date expired.This was done again and I was given a additional date. I became very XXXX and was and still am in the XXXX.My XXXX reached out to Corporate and XXXX and was ignored.The date had been extended to XX/XX/XXXX, and nothing was to be placed on my credit until after this date. I received a donation and tried using my checking account to pay for the vehicle, the wrong account information was on file, upon telling them this, I was told to ho online., chose payment and when it says checking, update information.However when doing so, it made the payment, I immediately advised them.. I received no response from XXXX or customer service. I sent in a money order and my order disappeared, I did a loss money order dispute and again contacted XXXX, the ceo, the vp and several other executives..XXXX XXXX is owned by Carvana and I reached out to them also, the ceo at XXXX ( XXXX XXXX and not one return contact.Upon getting alerts on my credit, The company had been putting my payments as late on my credit, during the contract time, even though it was stipulated in the contract that it wouldnt be done. I have a copy of the contract and have now had to hire a attorney because of the knowingly breach of contract that XXXX, Carvana and XXXX XXXX  have committed.. I also have another contract with different dates, updated and emails and calls between XXXX XXXX and myself

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Resurgent Capital Services L.P.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with fair credit reporting act convergant account LVNV Funding LLC. Original creditor XXXXXXXX XXXX XXXX. Have violated my rights. 

15 USC 1681 section 602 : states that i have the right to privacy. 

15 USC section 604 A Section 2 : also states a consumer reporter agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I, XXXX XXXX, fell upon a hardship due to covid. XX/XX/2021, Flagstar Bank XXXX XXXX Servicing Company ) agreed to a trial payment plan for a loan modification. Payments of {$1500.00} to begin XX/XX/2021 for 3 months. Those payments were made on time as requested ( XXXX, XXXX & XXXX ). Flagstar Bank then sent me a Modification Agreement on XX/XX/2021 in which I signed all documents and had them notorized as requested. That packet was received by them on XX/XX/2021 and was told that it was being sent to the courthouse for recording in the real property records. 
Payments after the approved modification were to begin on XX/XX/2021 of {$1400.00}. Those payments were made on time every month as requested. It has been almost a year and Flagstar Bank still has not brought my loan current as they stated over and over they would. I have called a numerous of times ( all calls are recorded ) and explained this situation and all understand and advise that I am absolutely correct. I have names and ID numbers to verify. On XX/XX/2021, I received a phone call from XXXX ( ID # XXXX ) whom I explained the problem and he verified my information advised it was correct and that my loan will be brought current and I would receive paperwork reflecting that. However, on XX/XX/2021, I received another phone call from XXXX ( ID # XXXX ) advising me and I quote " that in order for my loan to be brought current I must pay {$560.00} and its just that simple or my loan will be terminated. '' I asked XXXX to explain to me why several times and I could not get a clear understanding. XXXX then was conversing back n forth on a computer with someone named XXXX XXXX of whom she would not give me her ID # ) and just kept threatening that my loan will be terminated. I asked for an itemization of all payments but was getting the run around for that information. 
I do not want to lose my home because of their negligence. I have contacted BBB for assistance on this matter as well and have learned that I am not the only person going thru this same exact problem with Flagstar Bank. I have also contacted 7 On Your Side ( News station ) and just trying to get help with 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 2022-08-19
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 belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX : $ - ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XX/XX/2021

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 2022-08-19
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act ( Account, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions 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:
XXXX XXXX XXXX ACCT # XXXX Amount : {$940.00} Date Opened : XX/XX/2021 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

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 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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ( Account, 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 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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Creditors have violated my rights : ..... 

XXXX XXXX XXXX Account no. XXXX, XXXX XXXX XXXX Account no. XXXX, XXXX Account no. XXXX ... ..... 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumerreporting 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 2022-11-27
Company: CCF Intermediate Holdings LLC
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: Old information reappears or never goes away

Complaint:
I applied for a loan from speedy cash about 5 years ago XX/XX/XXXX to be exact for {$100.00}. I checked my credit score in XXXX and tried to dispute the account because it was closed and sent to a collector and the debt was also listed for {$240.00}. However, when I went to check my credit score again in XXXX they opened the collection again this time they changed the date stating that I opened the account in XXXX of XXXX, which is incorrect. I tried to dispute it again for incorrect information and they reopened the debt again reporting the date as XX/XX/XXXX and I have not been in contact with or received a loan from speedy cash since XXXX. They have not sent me any mail or notice stating that I have a debt nor have they sent me anything saying why the loan has went up over {$140.00}. They keep reporting the debt on my credit and changing the date every year or two. Then when I try to log on or speak to someone I can never get in touch with anyone. The information they are reporting is false, I have not had or received a loan from this company. And they keep reporting an old loan that has been sent to a collection agency and should have been closed. Its inconvenient and unfair that a company can continue to fabricate and falsify documents and information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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 accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX and XXXX XXXX XXXX # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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