BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I placed a dispute with this company several times regarding the same issue first being XX/XX/XXXX and again recently XX/XX/XXXX ( see included attachment for proof of dates ), I informed Experian of my FTC report filed both on my own as well as through the CFPB. I also verbal and physically have written disputes about the fraudulent accounts opened in my name. All this I have done thinking it would be taken care of and to no avail. According to 15 U.SXXXX Code Sec 1681c-2 ( a ) ( 4 ) BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT they must block this fraudulent information from reporting once I ( the consumer ) informed them that the information is not information relating to any transaction by me ( in this case the FTC reports I have filed as well as my written disputes to this company informing them of the theft ) by law this information I have identified as fraud is to be blocked no later than 4 business days after date they received my filings. This is very upsetting because its been over a year ago and I am still going through this pain staking issue rehashing old feelings of being defrauded. I am being hindered by this and need closure or seek other means of mitigation. I also have no bills so my proof of address is located on my license and will have to be sufficient.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2022, and again on XX/XX/2022 I filed disputes with all 3 credit bureaus transunion consumer solutions, XXXX, and XXXX. I disputed 4 items on my credit reports that are not mine. They are : XXXX. XXXX XXXX account # XXXX Account is not mine. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, ACCOUNT IS NOT MINE. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT #. XXXX, ACCOUNT IS NOT MINE. 
XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX. ACCOUNT IS NOT MINE. I HAVE SUBMITTED ALL PROBER PAPERWORK AND PROOF AND HAVENT HEARD ANYTHING BACK REGARDING THESR CLAIMS. PLEASE HAVE TH ROVE THESE FALSE ITS FROM MY REPORTS, 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 non-monetary relief
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX Collection Agency violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: BB&T CORPORATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Someone opened up a XXXX and XXXX account using my bank account. I was not aware of this. When I started my bank account I specified that I did n't want overdraft! I said if I do not have the money then do not pay it and do not charge me a fee. I was told OK. Anyways someone used my bank account on a XXXX and XXXX account I did n't know about. XXXX charged my account XXXX for {$1.00}. I was then charged a overdraft fee twice from the bank. Because of this THEN I found out about it and try and talk to BB & T and I kept getting the run around! Then they tell me there is nothing they can do and they closed my account AND charged me {$30.00} for THEM closing it and now sending me threating letters say I owe {$110.00} or they will send my account I to XXXX so no one else will give me a bank account. I really feel frustrated and bullied here by them!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Westlake Services, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
REF : XXXX XXXX DO NOT KNOW ACCOUNT NUMBER, BUT THE HOME PHONE BEING CALLED IS XXXX. 

On XXXX/XXXX/2016 a number of my family memeber 's receive a phone call from this number XXXX X XXXX and told ask for XXXX or XXXX spoke to them, looking for my son XXXX XXXX. Please note this company goes by multiple numbers. The phone number they call from is not always the same. 

The company goes by the name of Westlake Financial Services. 
They call each person cell phone number. The caller was very harassing to others. They also call the grandparents of my son, who are senior citizens, who call me very scare, upset and feeling money needed to be given on their part. On one cell phone they are calling is minor line. 

Nevertheless, this company has call my home every 1/2 hour from morning to night, leaving one message to another, over and over again. 

On XXXX/XXXX/2016 the same company call the home in a hour period every 5 min. My son stated they call his cell phone number every hour and at times every half a hour. My son stated he spoke to this company about all this and refuse to listen. 

At times these calls has appear to be threaten phone calls. The caller reveal that my son XXXX XXXX has debt with them and from there becomes very harassing. With some phone calls they ask 3rd party to call them back. This company left many messages with the 3rd parties, about XXXX XXXX. Some of the people they call are upset and scare.We think this company went to far and this why we are filing a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXX  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 2020-09-28
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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX IN RESPONSE TO CFPB COMPLAINT WITH TU : XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX you say i am basically too stupid to come up with this letter and instead of doing a proper invesitigation you claim that im using a credit repair company. please be aware my next option will be certified mail with time stamp and lawsuit. please do a proper investigaiton into these accounts that do not belong to me instead of my letters being too smart for me to come up with. thanks

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 2017-09-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Hello, I am writing to dispute the following information reporting on my credit reports. This item is with XXXX XXXX. The information reporting is inaccurate because I am no longer responsible for this debt. The vehicle was sold by XXXX XXXX through XXXX XXXX XXXX XXXX : ( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Oh. XXXX XXXX on XXXX/XXXX/XXXX ; After being told that I could recover the vehicle by XXXX XXXX ( XXXX XXXX. Representative ). I sent in all of the required documents to XXXX by the due dates, and on my way to recover the vehicle, I learned that the vehicle was sold before our agreement. Since then I have contacted XXXX XXXX several times to find out how much the vehicle was sold for and to see if there was a remaining balance ; The company has n't contacted me with any information. 

I have disputed this information with all three credit bureaus and still there has n't been a proper resolution. I will attach copies of the correspondence between XXXX XXXX and I, supporting my position. Please investigate this matter as soon as possible. 

Please see the notes attached on each document. 

Thanks, 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 explanation
Consumer complaint received 2017-09-11
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: Account information incorrect

Complaint:
Hello, I am writing to dispute the following information reporting on my credit reports. This item is with XXXX XXXX. The information reporting is inaccurate because I am no longer responsible for this debt. The vehicle was sold by XXXX XXXX through XXXX XXXX XXXX XXXX : ( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Oh. XXXX XXXX on XXXX/XXXX/XXXX ; After being told that I could recover the vehicle by XXXX XXXX ( XXXX XXXX. Representative ). I sent in all of the required documents to XXXX by the due dates, and on my way to recover the vehicle, I learned that the vehicle was sold before our agreement. Since then I have contacted XXXX XXXX several times to find out how much the vehicle was sold for and to see if there was a remaining balance ; The company has n't contacted me with any information. 

I have disputed this information with all three credit bureaus and still there has n't been a proper resolution. I will attach copies of the correspondence between XXXX XXXX and I, supporting my position. Please investigate this matter as soon as possible. 

Please see the notes attached on each document. 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: Consumer Portfolio Services, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions 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 Account name 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 2017-02-26
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
upon checking my credit report as I do very often, noticed Convergent outsourcing reported a collection 3 times and unpaid account 2 times for a XXXX account. I have not had a XXXX account in over 10 years and i do not owe them any money either. There is no XXXX collection. I disputed through XXXX. Convergent has reported collection account again and is unable to provide any proof of a balance. Now i am receiving letters to pay a debt that not only is dead but far exceeds the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Now that I have received response from two entities none of the respondent provided information that is in dispute in full. Wells Fargo Bank now after many, many years later came with phony reason DATA BREACH. CFPB go back and look my complains and how many years I have been filing complain of entire were brush out. Data breach is not committed by account holder. How data breach took place and after so many years admits data breach took place is just phony. 
No, its great negligence and abuse of trust documents and personal information were mailed for many years and would have continued. The reason those stopped when we opened checking account and staff knew us. 
Its total and total phony loss of responsibility for Wells Fargo Bank to commute crime twice.

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 2020-09-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
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:
Nissan Finance is reporting false information to the credit agencies. There have been several attempts to correct this information but Nissan Finance will not provide the correct information.

An account with Nissan was included in a chapter XXXX. However, no payments were ever missed on this account, that includes prior to and during the chapter XXXX. I paid the account outside of the bankruptcy and paid it off in full, early, with no late payments. I hold the title to the car. However, according to the credit agencies, Nissan has reported Delinquent payments. This is 100 % false reporting, as stated above no late payments ever occurred.

During these difficult Covid Times, I am trying to refinance my mortgage to help me through. Nissan is holding this back. I'm not saying Nissan isn't correct in saying that this account was included in Bankruptcy, I am saying that their reporting of delinquent payments are wrong and must be corrected. This account is scheduled to fall off the report in XX/XX/2021, but during these times, I just can't wait that long. This would help me out tremendously. 

As can be seen in the attached, this is one of 3 accounts falsely reporting. XXXX XXXX has fixed theirs and that should be showing as paid in full with no delinquencies soon. The other is an account that will also be reported to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On Thursday, XXXX XXXX, 2016, I used my Chase Debit Card to purchase XXXX XXXX tickets from XXXX to XXXX for an amount of {$690.00}. The debit card processed the transaction with no issue, and I was emailed a receipt and confirmation number for check-in. On Friday, XXXX XXXX, the passengers I bought the tickets for checked in at XXXX and were informed the confirmation was cancelled because the card was declined. I look in my account and I can clearly say that Chase took out the amount of {$690.00}. The passengers had to buy their own tickets as a result. I called Chase and it turns out they turned off the card because Fraud Detection was activated and Chase believed the card was stolen. I confirmed to Chase that I authorized the transaction but by the time that happened, XXXX already cancelled the reservation and submitted a refund to Chase. I called Chase and XXXX and disputed the transaction, but today is XXXX XXXX and I still do not have my {$690.00} back. I need this amount to pay rent and travel and Chase is making this harder than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to remediate XXXX fraudulent credit card purchases for a Bank of America credit card ending in XXXX for over two years now. This credit card incurred XXXX charges for a subscription service named XXXX  - these transactions were not authorized and I have written proof of this in the shape of an acknowledgement by the vendor. I have repeatedly provided this information to the charge-off department at Bank of America XXXX the fraud department at Bank of America XXXX and the customer relations department at Bank of America XXXX A previous claim I submitted in XXXX resulted in an XXXX merely confirming that Bank of America 's reporting matched that of the credit bureau 's instead of actually investigating the issue - that unauthorized transactions resulted in a dormant credit card going delinquent unbeknownst to me. Bank of America has repeatedly, over and over and over refused to hear me, refused to consider the fraudulent nature of these transactions, and maintained that after 15 years of never being late with a payment, that I should be marked with broad financial consequences over {$30.00} in charges I never authorized. I have little hope this will resolve anything - like I said the last time my concerns were not even addressed and I wonder what the point of the CFPB even is if not to help the little guy suffering at the hands of a financial titan. I have a credit score over XXXX, no delinquencies other than this fraudulent claim by Bank of America and because of it I cant even get a car loan. I would like to add that I believe I am being unfairly targeted by a supervisor in the Bank of America charge off department - she has repeatedly said that she will categorically deny any claim to resolve this irregardless of what additional information I provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My wife ( XXXX XXXX ) and I were advised by our service in 2006 to do a spousal consolidation loan. This was a mere three months before the FFELP program was discontinued by the Dept of Ed. 

We have been working to repay our loans since then, going in and out of forbearance. However three years ago we discovered, through working with a student loan attorney, that out FFELP loans are in a legal limbo. They are ineligible for IBR, PSLF, or any potential loan forgiveness programs. This is because when the FFELP program was discontinued, no legal options were legislated for those of us still holding these loans.

The FFELP constitutes around 80 % of our total student loan debt. My wife and I have both XXXX XXXX XXXX XXXX XXXX for 10+ years, but the FFELP loans can not be forgiven.

Company response to consumer: Closed with explanation