BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-03
Company: Ditech Financial LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I found out that this company put a lien on my home for no reason. we are refinancing our home, and this is the way we found out this lien was on my property. We have no idea who this company is. So then we started to receive these letters saying they are not trying to collect the debt but they had already put this lien on my property. they said they would remove the lien but I see the amount of  XXXX  in the refin amount and the letters this company sent us say the amount is  XXXX  but the real amount owed is  XXXX . Our next step is to start legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Veros Credit, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My insuranse have diferernt lienholder the dmv was diferent lienholder and my credit report was diferent i want to no the real  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Endpoint Resolution Services (ERS)
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have called my work phone and have left messages on my VM when I had contacted them and advised them several times not to call my work place. The last call was  XX/XX/XXXX - called my work extension and left a message telling me they will come to my work place it home w papers. They call in via a blocked number but I am able to retrieve number. I called and advised them again on  XX/XX/XXXX , however, they refused to confirm they called and denied it telling me someone else has my file and refused to provide that information on who has my file.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
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:
On XX/XX/2019 I sent a letter to credit acceptance via certified mail to verify that what they were reporting on my credit report was accurate. Credit acceptance had supposedly already verified to the credit reporting agencies that it was was reporting accurate information despite me showing them several inaccuracies. The letter was delivered to credit acceptance and they ignored it. I doubt they investigated anything. According to the FCRA section 623 they only have 30 days to get the results back to the consumer. It's been closer to 45 days with no contact from credit acceptance.

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 2022-04-08
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed a dispute letter to experian on XXXX XXXX, 2022. The credit bureau has failed to respond within the legal timeframe.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not XXXXomplied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : US DEPT ED XXXX Balance {XXXX}, XXXX XXXX Balance {XXXX}, DEPTEDXXXX XXXX Balance {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 2021-11-15
Company: EQUIFAX, INC.
State: TX
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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. 


How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My compnay purchased & financed from Wells Fargo equipemnt. At the end of our purchase agreements, we were told, confirmed in writing, verbally several times about our final payoff for our vehicles. When we tried to actually pay the full amount to purchase our vehicles, and to get our titles, we were told to pay 3 times more the amount than origianly advised and agreed.

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 2019-12-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
( 1 ) have sent EQUIFAX all the required documents they requested, but they have refused to remove the freeze and send me a confirmation that the freeze has been removed.

( 2 ) They have failed to provide a free copy of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX reported my fifth third secured credit card balance inaccurately yesterday XX/XX/15 dropping my score over 30 points and a week before that re- reporting a late payment from two years ago dropping my score another XXXX points when I have made on time payments for more than six months on my credit card ending in XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MI XXXX soc security XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/XXXX and again on XX/XX/XXXX I submitted a dispute with XXXX, XXXX XXXX and XXXX  in regards to an account that U.S Collections West had recently placed on my credit reports. The investigation results revealed that said account was verified as reporting correctly with all 3 bureaus. On XX/XX/XXXX I received a statement from U.S. Collections West dated XX/XX/XXXX showing a list of charges and an alleged balance owed to their client XXXX XXXX XXXX. I immediately contacted XXXX  to inquire about the matter and informed them of my dispute.The statement reflects a list of charges for supposed service that I do not recognize nor am I able to verify. Oddly all the charges are exact dollar amounts. The collection notice states a balance is owed in the amount of {$4200.00} .However the statement from XXXX reflects a different amount owed of {$1800.00}. I never received any communication from XXXX. On XX/XX/XXXX I sent a certified letter to USCW reaffirming my dispute and requested specific verification for the alleged debt. No response has been received. I have been unable to resolve this matter with either companies. U.S. Collections West continues to ruin my credit. AZDFI has reported that correction action was taken against their license for similar violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, 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 XXXX Account # XXXX credit collection service 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. its also states a consumer reporting agency can not furnish a account without my written ins
tructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
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:
Heartland ECSI is unlike other loan servicers when handling automatic payments. Each loan being serviced requires its own automatic payment. Here is the issue : I have a two loans with quarterly payments ( {$90.00} each ) .that did not enter repayment on the same month that I setup automatic payments. My automatic payment of {$90.00} is consistently {$90.00} short because the balance on the accounts are not met by the single payment.

ECSI did not make a reasonable attempt to clarify this nuance in their automatic payment policy and I have accrued many months  of missed payment fees as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX XXXX, I had a hospital stay at XXXX Hospital in XXXX. A couple of years later I received a collection notice from Pro Collect. I called them because I had no idea what it was for - just an amount & please pay. I told the rep this was the first I had heard of any past due amount & why am I just learning of this now, two years after the fact. I am covered by two insurance companies - I had received no notice of any amount not paid. I was told they had taken over for the previous collector because " they had dropped the ball ''. I told them I would need verification of the amounts and had no plans to pay because they said so. I never received any verification, just continued phone calls & the promise that verification would come.
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I should note I worked as a XXXX XXXX for the XXXX XXXX during that time & many many people came in to mail certified letters to this company disputing their claims - all from XXXX XXXX as the provider. Same story as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: WELLS FARGO & COMPANY
State: GA
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:
More than {$600.00} was taken from my Wells Fargo account that I did not authorize by way of my debit card. I personally went to one of the merchants and requested to see video of the person using the card. It was not me and I did not know the person. Wells Fargo has not reached out to the merchants as I did and request to see the same to rule out it was me using the card. Very unfair.

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 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
Hello, I have a collection notated on my credit report from XXXX XXXX and XXXX on behalf of XXXX XXXX. This is an inaccurate collection due to XXXX XXXX  payment posting to an incorrect account. This collection was immediately disputed with XXXX XXXX and XXXX XXXX was contacted and the collection was resolved. The collection is updated as paid but I believe it should be deleted. Both TransUnion and XXXX have failed to investigate my dispute which was submitted through 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 2017-06-03
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi my name is XXXX XXXX I been have trouble with Wells Fargo home mortgage every year I send them a copy of my receipt and then they said old it went to someone else 's account it will be fix so now they send my money back foe the month ofXXXX of XXXX so I just been put the mney on the side and I apply for a modification and I send the mortgage a copy of everything they ask me for a copy of my award letter from my XXXX XXXX and a copy of a award letter for my sister she stay with I and so they call on XX/XX/XXXX and told my sister that they could not get an copy of my XXXX XXXX from thr IRS and I told them I do not file tax my sister do n't file taxs allso the man name XXXX XXXX XXXX IS IT ALL RIGHT THAT U GAVE ME A VERB STATEMENT THAT U OR YOUR SISTER DONT FILE TAXS SO THAT was find XXXX XXXX call on XX/XX/XXXX and Said the modification was not approved and I ask why XXXX said something was wrong with the document and I ask what and he told I he could not said so I call the XXXX XXXX and ask them can they send the mortgage company the verification letter of how much I received and they told me they can only send it to me so I send it to them again and my sister is Waite for her verification letter from her social security I received {$1200.00} and my sister received {$1500.00} a month and after they take of she received $ XXXXand my month mortgage payment is only XXXX and I no THAT more then enough I did some reach search on wellsfargo and they are very prejudice they gave XXXX XXXX a hard time and they like to take XXXX XXXX HOME I all so ask can I pay the regular note and a half note and XXXX XXXX said they can not do that and went u look on the web about what kind of hardship they have they one of them so can u all PLEASE HELP ME TO SAVE MY HOME MY BALANCE IS ONLY {$41000.00} thank u very much XXXX XXXX every thing they ask me for I gave it to them

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 2019-12-11
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have put in a number of credit card applications for the Apple Goldman Sach credit card.A person applies through the XXXX and have to input some personal information. Before submitting the application you are to take a picture of the front and back of your Government issued Identification. I have done this numerous times and have been denied  for the reason of my identification not being able to be verified. The associates have absolutely no guidance in assisting their clients with such issues. Their responses are more generic than the emails being sent. The process in order to apply and get approved for such card is atrocious and ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: NY
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:
Accounts are not my items

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 2019-12-10
Company: Source Receivables Management LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2019 I was contacted by Source Receivables Management at approximately XXXX XXXX regarding a XXXX collection. I informed them that this debt was paid in XX/XX/2019 through direct withdrawal. The woman was quite combative to the point, finally resolving to provide an email where I could send proof of the transaction. At approximately XXXX the same day they called again as an attempt to collect said debt, which is in violation of several laws and regulations set in place to protect consumers and is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: NJ
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong

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 2022-08-15
Company: NCB Management Services Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
NCB Management Services, has violated the fair debt collection practice act 15 U.S. Code 1692g ( a ) ( 3 ) ( 4 ) Validation of debts. In their initial communication they did not provide a statement notifying me of my right to dispute this alleged debt. Nor did I receive a statement that I can request verification of this debt. Their violation of the FDCPA has caused me grave injuries and damages, Per Frey v. Gangwish, 970 F.2d 1516 ( 6 '' Cir. 1992 ). The FDCPA is " an extraordinarily broad statute '' and must be enforced " as Congress has written it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Several fraudulent inquiries and derogatory items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I HAVE SOME GOALS I WOULD LOVE TO ACCOMPLISH SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

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 2022-03-17
Company: Experian Information Solutions Inc.
State: AL
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:
Experian is reporting a charge off account on my consumer report and it a fraud account. I have already sent a police report to Experian to let them know that it is fraudulent from the company 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