BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXXXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.

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 2020-03-02
Company: Receivables Performance Management, LLC
State: MN
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 filed a CFPB complaint on XX/XX/20- the issue itself has not been resolved from this company. I was harassed under FDCPA regulations. On XX/XX/20 I received a phone call from yet another collection agency who on XX/XX/20 purchased this same XXXX XXXX   account. The previous agency is supposed to hold the account while investigation is pursued and resolution is made. Instead they close the account and the originator " XXXX XXXX XXXXXXXX XXXX sold my account to this new agency, Receivables Management # XXXX. I told this company I had a XXXX, CFPB and attorney general complaint logged as well as speaking to management about the FDCPA violation on the XXXX of XXXX. This is continuing the harassment when I tried to set up payment for XX/XX/XXXX. I requested a mutual walk away and {$1000.00} due to primitive damages. At this point I may be requesting more due to the lack of respect and continuing to sell my account when a hold is supposed to be placed on the account due to the complaint. Unless there is a resolution I am not aware of. I have contacted my internal legal counsel at my job- I am a XXXX   XXXX for a XXXX  XXXX  company that XXXX  XXXX  to collection agencies and law firms. So I was guided on how to proceed and was told to keep them up to date on this matter. I will be discussing this phone call with them again today to see what further actions need to be taken since I am not being taken seriously and the account was re-sold.

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 2020-04-09
Company: TMX Finance LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I finally was making payments on time after thousands of dollars in their pockets and not applying to my car. I've been on time for the past 2 months and because of the coronavirus lockdown and no work I can not make a payment and they're not willing to Bend at all there is no way I'm refinancing and falling more behind again absolutely not and they should freeze the accounts and give us another month to pay this is XXXX. They're clearly taking advantage of the situation at all costs this {$6000.00} loan is turn into like a {$15000.00} nightmare and now it's going to keep going up higher higher again because of this virus. I only owe XXXX left and if I fall behind you I'm just going to let this car go with this point I can't invest any more money into this with more late fees it's going to cost me {$900.00} extra a month every time I'm late extra above my payment. My payment is {$1500.00} a month. Please people have XXXX  me over on this lease like you don't even know but my worst hang up with them right now is that they're not even working with people due to the lock down it's not our fault. They should be shut down out of business for doing this to us. Especially because you're allowing them to stay opened the business and they're XXXX  over the people that already has loans and I can't pay them right now giving the more power because nobody is putting their foot down with this company. They're getting their cake and eating it to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Wells Fargo violated me under the FDCPA. 806. Harassment or abuse harassment, oppress, or abuse any person in connection with the collection of a debt. 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 812. Furnishing certain deceptive forms ( a ) unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer. They Violated the Truth In lending Act, and The Freedom of Information Act. My wife and I have discovered that our rights have been violated. We were the original Creditors, Natural Consumers and Principal on our account with our signature. Now we are scared that we will lose our home.

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 2020-03-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
i have a loan with XXXX XXXX XXXX, they stopped reporting to the credit bureau arond XX/XX/XXXX, i then filed a dispute with experian around XX/XX/XXXX, i never recived a letter of there results, it now appears experian has removed the account from the credit report,

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 2017-05-22
Company: CITIBANK, N.A.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
5 private student loans were opened with Citibank in/around XX/XX/XXXX. After going through financial stresses, I filed chapter XXXX BK in XX/XX/XXXX and was discharged in XX/XX/XXXX. Payments were made to Citibank while the loans were in bankruptcy. After BK discharge, Citibank transferred servicing of my loan at some point but never notified me. Citibank never sent me a bill or emailed me to state that my payment was past due at any time. My information was correct in their system, as I had checked the website multiple times throughout the last several years and made sure all contact information was up to date. Citibank is now reporting my loans as charge offs/collections and the servicer does not know which collection company my loans went to. I am paying federal student loans and would have no issue paying these private loans but Citibank never contacted me regarding payment, either by US postal mail or email and just sold and reported to the credit bureaus as charge offs.

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 2019-10-26
Company: Experian Information Solutions Inc.
State: IA
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:
my husband filed a chapter XXXX bankruptcy in XX/XX/XXXX. He has since beome deceased. 
XXXX XXXX. Servicing bought this loan from XXXX in XX/XX/XXXX. The arrearages and the balance were the same. Originally I owed {$20000.00} and XXXX increased it to {$25000.00} in the claims process. So every month i have paid. According to the ledger at the XXXX I have about {$10000.00} to go. 
( XXXX XXXX XXXX - MTG ARREARAGE {$15000.00} of {$25000.00} ) On my credit report it says I owe {$22000.00}. Experian took less thsn 24 hours to dispute this and the results were the same. And on top of this they are saying they did not get paid before XX/XX/XXXX. This is untrue as they began getting paid when they bought the loan in XX/XX/XXXX. So they are showing no payments for almost a year. Will you please try to help me? Apparently Experian dies not care enough to really investigate the facts. I also have documents stating XXXX  tried to get a relief from stay and had to withdraw. 
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 2021-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Capital One/Walmart Mastercard is requiring approval of each purhase from the same merchant I have been using for more than 50 transactions. Its harrassment to have me verify each and every purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
State: IL
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 disputed the unverified and inaccurate account from XXXX XXXX with Equifax on XX/XX/2020, and it was returned to me as verified. How is this possible? Equifax has failed to send me proof of my obligation of this alleged debt as requested. 

I believe this account does not belong to me. During the time I was disputing this account, Equifax sent a letter to me addressed to XXXX XXXX XXXX. They have me mixed with another person. I am certain that this account does not belong to me because when I sent my dispute letter to Equifax, I enclosed a copy of my state I.D . and a copy of my social security card. 

I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? This company is in violation for continuing to verify the account without providing the evidence as requested. It is my contention that Equifax knows they can not tie me to this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
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:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME FRAUDULENT ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND PROGRESSING INTO THAT THE FUTURE THAT I HAVE PLANNED FOR MYSELF IS NOW AT A STANDSTILL. 
PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION.

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 2017-02-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I booked a ticket for XXXX XXXX. XXXX changed my times, which rendered the flight unusable, so I booked a new flight at an earlier time with a different airline ( XXXX ). All of these were with the American Express Platinum card. I was n't able to gain any headway with XXXX about this change to the flight schedule, so I contacted Amex. They issued a charge back to my account crediting me. I just found out that Amex reversed the charge back on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
they have me as a XXXX ftc violations ERRORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. 


all ftc errors

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 2021-05-20
Company: American First Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2020 I entered into an installment agreement with American First Finance when I had work done on my vehicle at XXXX XXXX XXXX XXXX XXXX. The amount to be financed was {$2300.00}. The application, contracts, disclosures, etc. was filled out and signed online. I was approved and my payment amount was XXXX every 2 weeks. The interest rate was 90 days interest free and if the balance was not paid in the 90 day interest free period, the entire loan amount was subject to a 36 % interest rate. I set up the payment for autopay through my bank and have made 19 on time payments totaling {$2500.00}. I logged into my account on XX/XX/XXXX to check my balance and it was still {$2000.00}. I called and spoke with a gentleman regarding the balance and he informed me that because the balance wasn't paid in full before the 90 day interest free period I am being charged 137 % interest and I still have over 14 months or 28 more payments until the loan would be paid off. By an approximate calculation the total amount I am expected to pay is over {$6000.00} for a {$2300.00} loan at 36 % interest. It doesn't add up or make sense. I believe that this a predatory lending and unethical business practice. I am continuing to make on time payments as agreed until the situation is resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-23
Company: Experian Information Solutions Inc.
State: WA
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:
PLEASE REMOVE THE NEGATIVE ACCOUNT FOR XXXX  XXXX ( COLLECTIONS ), WHICH AFTER SEVERAL ATTEMPTS, I MANAGED TO GET THIS ACCOUNT REMOVED OFF OF XXXX. NOTHING HAS BEEN DONE BY THE OTHER AGENCIES IN REGARDS TO THIS MATTER. THIS ACCOUNT HAS BEEN REALLY AFFECTING MY GOALS AND STANDARDS.

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 2020-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.

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 2018-08-07
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My wife filed bankruptcy in 2012. The lawyer advised us that this would not effect me because I didn't file. The mortgage with Wells Fargo was in both our names. Because she filed bankruptcy they stopped reporting my payments and balance for the mortgage on my credit reports. I call every year asking them to start reporting on my reports. They want me to reaffirm the loan, but I was never released from the debt. I still continue to make my monthly payments. In XXXX someone from the company added to my report as a one time courtesy. It's unfair that I am responsible for this loan and can not get credit for it on my reports.

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 2017-01-25
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient demanded my payment in a VERY short notice upon notifying me that a payment was due. This caused me to delay payments on my other financial responsibilities. On XX/XX/2016, I was charged a {$150.00} fee to place XXXX of my Navient signature private student loans in forbearance at {$50.00} per loan with the XXXX private loans that I have an account with. Furthermore, the forbearance terms are HIGHLY unfair to the borrower as the forbearance period is only available for 1 year through the life of the loan. There are no protections for the consumer if they undergo a financial hardship or an unemployment period. Additionally, I can never receive a clear answer to questions from account managers regarding terms of the loan or interest rate information. In a steadfast manner, I am demanding a FULL refund of the {$150.00} forbearance fee that I paid to place my Signature private student loans into forbearance ASAP. Please notify me of how this refund can be processed. I really do hope that the lawsuit between the CFPB and Navient is successful in the CFPB 's favor. Navient is treating their customers so horribly that they do not have options to protect themselves from the BULLY 's that set policy 's in Navient 's regard. XXXX to those who work for the CFPB that are helping consumers receive fair treatment. Thank you for processing my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. Me and my father share the same common name. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.

Company response to consumer: Closed with explanation