BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 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 2023-04-28
Company: Harley Davidson Financial Services Inc
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am 3 days late on my loan and harley Davidson financial had called me over 15 times in the past three days. H I have requested all contact to be written and mailed to me and they refuse and continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have a loan with GMA Financial. We got behind because we were fighting to adopt our foster son after he was abused and at risk of being returned to his abusers we had over {$50000.00} in legal fees. This Vehicle is our only vehicle my wife file bankruptcy and this is part of the bankruptcy. Our truck was repossessed on XX/XX/XXXX however law enforcement was not notified nor we were until XX/XX/XXXX with a letter stating our truck was going to be sold on XX/XX/XXXX. I am attaching my mail log from XX/XX/XXXX showing I just got the letter. - with 1 day to avoid the sell. 


The police were called on XX/XX/XXXX and a police report was made due to the fact that law enforcement was not contacted about the repossession.. As of today XX/XX/XXXX the truck is still considered as stolen in the sheriffs database because again GMAC never contacted law enforcement. The police report case number is XXXX- We filed an insurance claim and this is on open investigation with our insurance- again because we thought our truck was stolen. We have also been in a rental - expected to be paid by our insurance company. 


We had no idea our truck was repossessed. The local law enforcement was not notified of GMAC intent to seize the vehicle beforetherepossession. - resulting in police reports filed and insurance claims filed and us renting a car. 




We got the attached letter dated XX/XX/XXXX - on XX/XX/XXXX giving us NO time to do anything. The le Please advise what we need to do to get our truck back and why the police we never notified about the repossession and why police were never notified, why is our vehicle still considered stolen and what about the insurance claim that has been made. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I was ready to payoff my Wells Fargo XXXX on XX/XX/XXXX. I contacted Wells Fargo for a payoff balance and was informed that a payoff statement would be emailed to me. 
When the statement was not received after a few days, I contacted WF again on XXXX and this time the agent informed me that payoff statements must be mailed to the address they had on file. When I didn't receive a statement after 11 days, I called back again on XX/XX/XXXX and was told it could take up to two weeks to arrive. I called back again on XX/XX/XXXX to ask for a verbal payoff amount which wind up being a phone loop from one department to another for over two hours without the desired result. I finally decided to visit a physical local branch where the rep also had a hard time reaching someone to give him the information I was looking for. He finally called me back a couple of hours later with the payoff balance and wiring instructions. I prepared the payoff funds with my bank and immediately wired the quoted payoff using the wiring instructions the rep provided The first payoff wire attempt was made on XX/XX/XXXX for the entire quoted amount. I was informed on XX/XX/XXXX by my bank that the wire was rejected due to the wrong beneficiary account information. I called back Wells Fargo again and asked for the correct wiring information and the wire was finally accepted on XX/XX/XXXX however, my HELOC balance remained unchanged as of XX/XX/XXXX. I then received a call from Wells Fargo on XX/XX/XXXX explaining due to daily intertest accruals and penalty fees the wired amount was no longer enough to cover the payoff and that I'd need an additional $ XXXX to pay off the balance. While speaking with the and referring to my online account, I observed that Wells Fargo had changed my physical home address in New Jersey to an unfamiliar address in North Carolina. This explained why I never received my payoff statement by mail XXXX weeks earlier. I explained the seriousness of security breach to the Wells Fargo agent and asked for the extra unjustified interest and penalties to be postdated and credited to my account. She informed that the issue has been escalated to her manager and that I'll be receiving a call with a resolution by the end of day. 
It is now beyond the end of the day and I'm still stuck in this crazy endless loop of trying to payoff my daily interest accruing HELOC with a bank that has a very fragmented payoff process. Either Wells Fargo is an extremely incompetent bank or they're deliberately making it difficult to payoff loans to keep their daily interest accruals and maximize profits off the backs of the hard working middle class.

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 2023-04-28
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Sent Debt Validation letter plus with Cease and Desist stating not to call me but Trident Management did so. I have a call log with them calling afterwards and hanging up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Continuously contacting Credit Bureau regarding erroneously reporting information* on my credit report which they are knowingly and willingly refusing to remove. 

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 TRANSUNION 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 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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 no knowledge of the account from XXXX XXXX Acct # XXXX. Under section Section 1604 15 US Code 1681 B, you do NOT have the right to report anything on my credit report without my written consent. Under FCRA rules you MUST DELETE this item from my 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 non-monetary relief
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: NY
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # 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 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 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 2023-04-28
Company: EQUIFAX, INC.
State: OH
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 no knowledge of the account from XXXX XXXX Acct # XXXX, XXXX, XXXX. Under section Section 1604 15 US Code 1681 B, you do NOT have the right to report anything on my credit report without my written consent. Under FCRA rules you MUST DELETE this item from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I deposited a check from the irs from my business taxes that had been held for over 7 years and Bank of America closed my account and are currently hold my funds stating that its under fraud investigation although they where cleared and Ive also contacted the irs and have my transcripts showing my information the irs said that the funds havent been returned to them either I feel like my funds are being held to collect interest I would just like my money if the account is closed and the check cleared as of XX/XX/XXXX its now XXXX and Ive had no correspondence from BOA., and Im being forced to involve my lawyer if nothing is settled about my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for mortgage assistance with XXXX on XX/XX/XXXX. During that time, I sent all of the needed information to XXXX and was told that during the modification process I would not have to pay mortgage and that it would not be reported to the credit bureau, but ultimately it was reported, and I was denied mortgage assistance because my ex-husband did not send in HIS paperwork, which I was not aware of. I called XXXX at least twice a week and would speak to someone different in the modifications department every time. I would get contradicting answers as to what was needed on my behalf. One week I would call and be told that all is good, we have everything needed. The next week would be a completely different response. I was told multiple times that the person in charge of my modification, XXXX XXXX, would call me back to discuss everything with me, but he never called me. I was the one calling XXXX every week, I don't recall anyone calling me. 

Today, XX/XX/XXXX at XXXX XXXX, I called XXXX and spoke to XXXX and let him know my situation. I told him that I was wanting to see if there was any way that I can get the derogatory marks off of my credit since I did pay the past due amount ( s ) that were owed ( {$4500.00} ) between XX/XX/XXXX and XX/XX/XXXX. He told me several times that he did not see that I paid the above amount, so we went back and forth a couple of times and I told him that I am seeing that amount taken out of my account on the dates above ( XX/XX/XXXX, XX/XX/XXXX ). I then asked to speak to a supervisor and was transferred. I let the supervisor ( I can not remember his name ) know my situation and he told me that I was correct and that I did not need to make monthly payments due because I was going through the modification process. He also stated that the that derogatory marks should not have been sent to the credit bureau. He told me that he was filing a complaint against the modifications department at XXXX for their inconsistencies and then he told me that in order to help get the derogatory remarks removed, that I needed to contact the CFPB and file a complaint against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear XXXX, I am writing to complain about the incorrect addresses listed on my credit report. According to my credit report, there are several addresses that do not belong to me and have never been associated with my name. These are the INCORRECT addresses : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX As you are aware, incorrect information on a credit report can negatively impact an individual 's credit score and their ability to obtain credit. In addition, it is a violation of the Fair Credit Reporting Act ( FCRA ) to report inaccurate information on a consumer 's credit report. I have attached a copy of my credit report for your reference, which clearly shows the incorrect addresses. I would appreciate it if you could take immediate action to rectify this situation. I also added a current utility bill and a passport to validate my person. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This checking account has been open and negative for over 10 years. There hasnt been any attempts to use the account and I have contacted Capital One and informed them that this account was compromised due to fraud. My purse was stolen and all my debit and credit cards were taken. I worked with a credit repair company to file a police report and as a result my credit report was updated and accounts were either closed or corrected. The representatives I have dealt with at Capital One did not believe that I was a victim of fraud and it seems as if I was punished by Capital One by letting the account reflect to banking and creditors as negative and open. This has caused significant issues. The statute of limitations says that a debt will remain for 7 years and after such time it will not reflect to creditors on my credit or bank history. I need this account closed. I need this closure backdated so that it reflects closed as of 10 years ago and hold no bearing on my future. I think the most frustrating of this all is that I was able to obtain a secured credit card through Capital One and paid {$750.00} towards it but this account was not settled and I still look unsuitable to other creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
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:
This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-04-28
Company: TransferWise Ltd
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/23 Name XXXX XXXX XXXX Home address XXXX XXXX XXXX XXXX, OH XXXX To whom it may concern, I had a wise account with the email address : XXXX They deactivated my account unfairly and they closed any way for me to have access to my wise account, and the money that I had in that account was removed and sent back. Moreover. I need you to assist me in retrieving access to my account. 

If It is found that I made any mistake, I sincerely apologize and I promise to ensure that no problem will occur again regarding my account. I have carefully read all the terms and conditions and I promise to abide by those terms. 
If we are unable to regain access to that account, then I would like to register a new account and I will need assistance to be able to do so. The reason being is Ive already tried to register a new account and it wasnt allowing me to do so. 

The best way to reach me is through my phone number ; XXXX. 

I am more than willing to follow any steps that will enable me to either regain access to my old account or at least be able to register a new account. Once again I sincerely apologize for any mistake I may have done, and I agree to abide by the terms and conditions, by being an astute member of wise services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Sent a letter to a former address informing me of a debt with a random amount owed from a 2001 account that was paid!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING LLC is a Debt Collector who has reported a debt of {$560.00} that I do not owe, to the Credit Bureaus. I have contacted this collector several times to validate the Debt and send me documentation to prove that I owe the debt. This collection agency just sends a bill without any documentation that I owe the debt. This debt is not my debt and may be because of identity theft because I never opened that credit card. 
Their address is : LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX Phone # ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: NY
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:
This account XXXX XXXX XXXX XXXX XXXX has violated my rights and section 15 USC 166B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This account XXXX XXXX XXXX XXXX XXXX has violated my rights and section 15 USC 166B

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 2023-04-28
Company: WELLS FARGO & COMPANY
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:
I have asked XXXX and XXXX to do a thorough investigation of this account and provide proof. Both credit bureaus have failed to do so. I have found numerous inaccuracies with this account and they are both reporting different information. It is the same account so the information should match up. I have attached proof of the inaccuracies and I am requesting for this to be deleted.

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