BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-30
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent to : Wakefield & Associates To Whom It May Concern, Please be advised that I have requested validation { not verification } of an item ( or of the accounts ) reported to you by the above { Wakefield & Associate }. I have received a response that clearly violates my rights according to HIPAA. { Wakefield & associate } did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ). Therefore, by providing you such information they are in serious violation of the HIPAA Privacy Rule. Furthermore, your agency has aided and abetted your customer by your negligence and disregard of your reporting responsibilities as a credit reporting agency, pursuant to FCRA 604 ( g ) ( 1 ) ( C ) and FCRA 605 ( a ) ( 6 ) ). I am proceeding with legal action as prescribed by law against the above named { XXXX XXXX XXXX } and will name you in the lawsuit if you do not immediately delete the listed item ( s ) due to the privacy violations. You are also required by the FCRA to receive written certification of the information furnished to you prior to you assembling and reporting such information. If you can not provide proof that you received the original or a certified copy of a HIPAA Release Form signed by me, clearly delineating my consent to release my ( PHI ) then you must cease from reporting this unlawful entry. I will seek every legal remedy available to me and file suit against the credit bureau for the continued aiding and abetting of your customers actions for commercial gain by the continued reporting of my protected information, preceding your receipt of this notice. You are clearly benefiting monetarily by reporting this account on behalf of your customer. I urge you to take this matter seriously, as I have documented my case without error. I encourage a response from you expeditiously in the form of an updated credit report showing that you have ceased and desisted your illegal reporting of the listed accounts, pursuant to the Fair Credit Reporting Act. Wake field and Associate on my XXXX/XXXX/XXXX for {$890.00}. I have no knowledge of this debt and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
XXXX is not accurately reporting my payment history with the account that is reporting on my credit report under 15 USC 1681 ( e ) b Compliance Procedures XXXX is knowingly reporting a late payment falsely according to the class action lawsuit brought upon them by the CFPB and it has been affecting my credit. The lawsuit states that they admitted they were falsely reporting late payments on peoples credit report. How do you guys sleep at night, knowing you've affected peoples lives? 

The Company really did people wrong and messed with my livelihood. I will not stop until I get my specified remedy. 

" The CFPB also claimed XXXX knew it provided inaccurate information yet took years to take reasonable measures to address the problems '' XXXX This is crazy to me and makes me angry to know you knew. 

https : 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 2023-02-03
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
It does not matter I have not been able to get a auto loan even with XXXX XXXX down because these ignorant dealerships run my credit as many times as possible and they come back with an astronomical amount of money needed down. I havent been able to get s credit card or anything since I was XXXX. Never. Something is up with my credit file to where it prohibits any one lending me money

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 2023-05-17
Company: EQUIFAX, 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:
Equifax and XXXX are reporting a collection from XXXXXXXX XXXX XXXXXXXX XXXX for a debt owed to XXXX. Please be advised that any outstanding debts have already been satisfied with the original creditor which is listed as XXXX. It is against the law for a collections company to attempt to collect a debt that has already been satisfied to its original creditor. Please help delete these negative collections from my Equifax and XXXX credit reports as they are really negatively impacted my life. I

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: John C. Heath, Attorney at Law, PLLC
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On Saturday, XX/XX/2019, I was trying to look at a picture of a rental home when I was immediately contacted by some Rent-to-Own company. She eventually said I was going to have to fix my credit and they could help me. I was completely unaware when she suddenly contacted a Credit Repairing company called Lexington Law. She got me hook, line and sinker on board with hiring them to help me fix my-and then also my husband's-credit. We did not expect it to be a scam or anything until I read your info earlier about how to detect the fraudulent ones, but now I'm convinced. First things first before she did anything I was informed I was going to have to pay {$14.00} for each of us on that day, immediately after telling me about the monthly fee we would be charged but " don't worry, you don't have to pay anything today ''. So I paid for mine but then when I realized I would have to do the same for hubby I attempted to stop it. I told her I did not want her running my card again because I didn't have the funds. She proceeded to say " Well I'll just run the card today and if it didn't go through it wouldn't be taken for 11 days. Confused as I was I repeated " Ma'am, I don't want you to run it again right now, can we just hold off and I'll call you later to pay it when I have it? '' She just continued to ignore me and repeated the same thing she said before. Finally, I guess to knock me even lower, she tells me that {$140.00} ( or somewhere around that ) would be debited from my account 5 days later. So tonight, when I read your warnings about being federally prohibited from requesting money right off the bat, I began this complaint. Furthermore, when I tried to set up my account, I was completely dumbfounded to only see my husband 's credit report details. Mine is nowhere to be found, when I paid for mine first, before I even added him to the whole thing. In fact, mine is the only one I paid for because I gave her a different card with no money on it. It makes absolutely no sense, except I fully understand that I got screwed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I previously filed a complaint concerning unauthorized credit inquires I did not authorize.

Subsequently, a unknown party used my information to obtain a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was repeatedly harassed by Discover Card. They called me day and night, every day of the week and even holidays. They called my inlaws and family members and threatened to take me to court. I really want to complain about them and also XXXX XXXX XXXX ran by XXXX XXXX. I had sought them out to settle my credit card debts and instead they took all of my money and never settled my debt. Discover card people were incredibly cruel and harassing in the process. I did not answer phone calls of theirs, because I was advised by XXXX XXXX and his team not to. I blame them for my turmoil.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Portfolio Rc Opened XX/XX/XXXX - {$450.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Portfolio Rc Opened XX/XX/XXXX - {$450.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hello, It is stated under the law 15 USC 1681-a ( ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ) Late payments reported on the XXXX XXXX XXXX XXXX account violate this law. This letter is requesting the removal of all late payments on the following account immediately.

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 2019-07-11
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: Investigation took more than 30 days

Complaint:
transunion not letting me see my credit report b/c of my ftc violation i set up monitoring service that i'm not able to see my credit FCRA violation. XXXX and Transunion has not let me monitor my accounts onlines

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 2023-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had a credit card for 7 years with Bank of America. A few months ago, my financial situation reversed and I started experiencing financial hardship. All my credit and loan accounts were notified. 
The rest of my credit cards ( {$12000.00} and {$15000.00} respectively ) are at 99 % utilization and behave as expected, you pay the minimum and the monthly payment goes down. This is not happening with Bank of America. My auto pay is set for the XXXX  of every month and has been since I opened the card. In the last three months, the payment for the XXXX doesn't process on time, so the card keeps assessing a late fee on the XXXX, rolls in the financing fees for the next cycle on the XXXX  and then processes the payment on the XXXX. This is the XXXX  month this has occurred in a row. I have reached out to them 3 times to fix this because the payments keep increasing. This month the payment is {$33.00} over the sum of its parts. 

{$100.00} was due on the XXXX. 
+ {$35.00} late fee assessed the XXXX, which they claim was not assessed. 
+ {$160.00} finance charge assessed on the XXXX. 
The total amount should be according to what thier customer service rep told me, {$260.00}, not {$330.00}. 
I can upload photos taken today on my Bank of America app with proof they lied to me on the phone telling me that it processed on time and I wasn't assessed a late fee. If that was true it would have not included the next cycle 's finance charges in my payment which is currently being processed today, XX/XX/. It would have processed on XX/XX/XXXX and posted to the app on XX/XX/XXXX. Leaving the new cycle 's finance charge to be paid on 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 monetary relief
Consumer complaint received 2020-02-20
Company: GreenSky, LLC
State: CA
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/XXXX I submitted a credit rating dispute with XXXX, XXXX XXXX and XXXX   concerning the derogatory rating I received from Greensky Financial Bank ( Greensky ). On XX/XX/XXXX, I appeared in the Superior Court of California , County of XXXX Small Claims Court as the defendant in the case of The Home Depot USA Inc. DBA Home Depot Interiors , case number XXXX, because The Home Depot failed to fulfill a contract as agreed for a bathroom remodel. I had been in dispute with this company since XX/XX/XXXX. The contract for the remodel was financed through Greensky. In XX/XX/XXXX, I notified Greensky that I would no longer make payments on the loan until the work was completed as agreed and provided them with a Home Depot Customer Service Case number. After many months of attempts to resolve the issues, I was forced to file suit. I received the Notice of Entry of Judgment and provided this information to Greensky. While in dispute, Greensky charged the account off, which is a derogatory rating. I have sent a copy of the Notice of Entry to Greensky, as well as disputed the rating with the three credit bureaus, XXXX XXXX, XXXX  and XXXX. Greensky has refused to remove the derogatory rating. On XX/XX/XXXX, I received a check from The Home Depot Legal Division in the amount of {$890.00}, along with a request to file a Satisfaction of Judgement. However, as of this date, the contract has not been cancelled and the balance of the account has not been credited nor the rating removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has a credit score of XXXX. It is being reported as XXXX and not a website issue. attempted to call help line and was told there reporting XXXX because of my browser. its not my browser they have no idea what the XXXX they are doing. I was about to sign a mortgage this morning and now everyone at bank thinks I being investigated by feds. They need to compensate for damages for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a customer of Chase Bank and have been for many years. I have a checking and savings account and they hold my mortgage. Just recently they have started to charge me a monthly service fee of {$25.00}. I was told the only way to forgo this fee is if I agree to set up my mortgage payment as an automatic withdraw. I feel like this is the same as holding me XXXX. I pay my loan on time and I don't agree with setting up anything as automatic payments. I'm not sure if this is within their rights to force me to do automatic withdrawals. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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/XXXX a dispute letter was sent out, highlighted in red multiple inaccuracies. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970. ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted 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 non-monetary relief
Consumer complaint received 2017-11-26
Company: Experian Information Solutions Inc.
State: PA
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:
the information for XXXX XXXX shows a Charge Off and was not a charge off. 

I have provided a letter from XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX is an XXXX XXXX company

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 2023-05-18
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Once again the PNC Branch located at XXXX XXXX XXXX XXXX XXXX Pa XXXX is displaying vindictive behavior because I reported their Window Clerk XXXX for purposely having her shirt buttoned opened way too much now on today at this same branch I was unable to use my Debit Card to deposit money into my Savings Account. I went inside the Branch and the Security Guard was illegally playing the role of the Bank Host and he got the Bank Manager and inquired her of the matter and she verbally stated that this wasnt her XXXX problem

Company response to consumer: Closed with explanation