BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-24
Company: VW Credit
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a joint auto lease through VW Credit , Inc. with my husband that ended in 2017. The lease shows on both of our credit reports with XXXX  a balance of {$17000.00}. The other credit reporting agencies show the account properly with an {$0.00} balance. I have reached out multiple times to VW with a promise of an resolution & to this day nothing has been resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ( 15 U.S.C. 1681 Section 602 A states I have the right to privacy ; 15 U.S.C. 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my prior written consent. I have not consented to this transaction ), the following listed accounts have violated my rights : XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX USDOE/XXXX Acct # XXXX USDOE/XXXX  Acct # XXXX USDOE/XXXX  Acct # XXXX USDOE/XXXX  Acct # XXXX USDOE/XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  # XXXX XXXX Acct XXXX XXXXXXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX Acct # 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 2020-04-03
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was employed by a XXXX XXXX. This company is fraudulent. I am now {$2900.00} in debit to my bank. I've been employed by other companies to XXXX XXXX. With no issue. Ive been naive to think this is legitimate. I don't have the funds to cover this act of fraudulent activity. If there is anything to be done to help that wound be greatly appreciated. The company is called XXXX XXXX  XXXX XXXX. The numbers given to relay messages are XXXX, XXXX the email is XXXX please if this can be taken care of i would greatly appreciated it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
After filing complaint ID # XXXX-XXXX  on XX/XX/XXXX with your agency against USAA Federal Savings Bank and receiving their response to your agency from your agency, which was not satisfactory in relation to the complaint ( dispute ), I then requested through their USAA Credit Card Agreement Arbitration Addendum, which is part of the credit card agreement, to start the arbitration process through filing with XXXX XXXX XXXX, as their administrator. I sent this request following USAA 's written process through USAA 's General Counsel using USPS certified/return receipt mailing to both entities. As of today 's date XX/XX/XXXX, there has been no response to the request for arbitration for USAA disputes and claims to be resolved. This is mandatory arbitration included in their credit card agreement which precludes me, the credit card holder from pursuing litigation either in small claims/civil court or filing a class-action lawsuit until this process has commenced. Their refusal to acknowledge the request to proceed with arbitration through XXXX  appears to be a purposeful tactic to stall civil litigation. 

Additionally, I requested through the USAA credit card contract page 24 that USAA informs the credit bureaus ( 3 ) that this account contained within the complaint number referenced above to be reported as disputed due to fraud and my statement be included in their monthly reporting. I wrote to the USAA/Consumer Report Dispute department as they have referenced in their CC agreement, mailed this certified/return receipt USPS again with no response as of XX/XX/XXXX. 

USAA is not following their own internal banking guidelines and procedures they themselves have set forth in their Banking/Credit Card Agreement, and if this is the case, since there has been no written, digital or oral response to the above-referenced requests, I would through your agency request the ability to move forward with civil litigation against USAA Federal Saving Bank, since their mandatory credit card arbitration through ( XXXX  ) XXXX XXXX XXXX has not been followed through on their companies part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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 noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XX/XX/XXXX my XXXX XXXX should've have been paid off when i traded it in. With my XXXX XXXX. The dealership did not pay off the XXXX XXXX i have paper work to prove they were suppose to pay off the XXXX XXXX. I reported the dealership to XXXX ( XXXX XXXX XXXX XXXX XXXX ) for a year straight you can see before XX/XX/XXXX i was never late with my payments. 

Amount : {$13000.00} Date : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
My niece used my credit card without my permition a year ago. I reported it to Discover Card and sent them the police report and nothing was done to alleviate those charges from my discover credit card. In addition I filed chapter XXXX Bankruptcy on XXXX XXXX, and this account was included under the protection act of Chapter XXXX Bankruptcy. Under this act, my debt are protected by law. Doing this time, the debt would not be reported or collected. Discover Card reported debt that didn't belong to me, per the police report I submitted, stating that my niece stole it and ran up my credit card. I made a police statement concerning the matter. I would like Discover Card to delete this account from my credit file as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6600.00}, {$810.00}, {$240000.00}, {$61000.00}, {$28000.00}, {$62000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$61000.00} -This is not my account. 


-- INSTALLMENT LOANS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$62000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: MN
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:
The following credit inquiries listed on my XXXX and Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX and 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 2022-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
credit bureaus allowed an incorrect account to be REplaced back onto my credit profile. They allowed the company that was found to be inaccurate and was removed, now they have allowed the same inaccurate account to be replaced on my credit report from a so called " sold account '' to a different collection company. The item was found to be inaccurate and was removed. The new collection company, NEVER sent me any correspondence. They simply placed an inaccurate account on my profile without reaching me with mailed correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt collector is Southwest Credit Systems. The amount is {$320.00}. It was posted on my credit report on XX/XX/2018. It supposedly for XXXX equipment that returned. I have contacted XXXX on numerous occasions and have had no help in determining the cause of this incorrect credit posting. I returned the equipment approximately 5 years ago. I do not have a receipt for the returned equipment, but I am quite sure XXXX  would be able to resolve this by checking their records and serial numbers of the equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I believe my federal student loan servicer, Mohela, is mishandling my request to change my repayment plan. 

I contacted Mohela on XX/XX/XXXX to have my loan repayment plan changed from the default standard-repayment option, to the Extended Graduate Repayment plan. Since XXXX XXXX, I have called Mohela 7 times, which on average each wait hold time takes 4 hours for each call ( which mind you has to be done during my work day ). Thirty business days from my original request would have been XX/XX/XXXX. 45 days would have been ~XXXX  XXXX. 

We are now THREE months out from me requesting a repayment plan that, per the federal government, I am allowed to change to. But every time I interact with a person/supervisor at Mohela Im told , Mohela is running a bit behind. And on multiple occasions Ive been pushed to go into forbearance even though I have repeatedly said I do not want to pursue that option. How is a federal loan servicer 's unpreparedness now the burden of the borrower? 

I have talked with five different Mohela supervisors between XX/XX/XXXX and XX/XX/XXXX. Each one of them said they expedited the process to request my repayment plan change. One said this will be done end of business day today, I promise. That was the first week of XXXX. One said she would call me with an update she never did. One said, I can guarantee your XXXX bill will reflect your new payment plan. It didn't. Additionally, I have requested from three of these supervisors all the notes Mohela has on my account including call logs ( not transcripts ) be sent to my account. Each said they would, and yet I still havent seen these either. As I told the multiple supervisors, I want in writing an acknowledgement of the day I made my original request ( which had to be done over the phone ). 

As of XX/XX/XXXX, my request to change my repayment plan still has not gone through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I got a call from Bank of America & I thought it was urgent so I took the call. The guy was telling me that my account was hacked and in order for them to recover the funds, I would need to make a XXXX payment. Since it was the bank calling, I assumed that thats how it works. But I was fooled & tricked because it was actually a scam! When I reported this to my bank, they told me that I did get scammed. They told me that theyll investigate & will try to retrieve the funds taken out of my bank. After a few days, they got back to me but they didnt succeed into trying to retrieve the funds. They denied my claim & closed the case even though they know that I got scammed. I just feel that they shouldnt have closed it yet & shouldve investigate it furthermore.

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 2018-09-03
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
after many calls and harassment towards myself and calling family members this account holders is taking things too far even the account is not mine need it removed from my credit report asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I am a customer of Wells Fargo for 37 years and even so, I was treated with disdain in this matter. 

On XXXX XXXX, I received an email from Wells Fargo about a {$5000.00}. deposit to my checking account. It stated that I needed to confirm my identity; ( My cellphone number, and my email address were verified later. ) I did so with a Wells Fargo call-taker, who then told me that the restriction of the deposit was removed. On XX/XX/XXXX I checked my online account to see if the deposit was OK. It was not. I called Wells Fargo and talked to a female call-taker. She looked into the matter and said that the restriction was not removed, and that she was removing it. I again checked my account while she was on the phone with me and told her it was not removed. She then told me that the deposit was cancelled. 

I was lied to twice : once on XX/XX/XXXX and again on XX/XX/XXXX. 

Currently I have a payment of {$570.00}. due to Wells Fargo for a home equity loan, which we have had for 25 years. XXXX  taxes are also due in the amount of {$1100.00}. The two amounts total more than my Social Security check deposit. Without the {$5000.00}. deposit I will not be able to make those payments. 

Your input into this matter is greatly appreciated. If you provide me with your email address, I will forward a copy of the email which I received from Wells Fargo on the XXXX of XXXX. 

I thank you for your looking into this matter. 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 2022-03-03
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a Validation letter to Amsher to validate a false collection and they sent misleading forms which is a violation of my consumer rights, like HIPAA!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: St.John Cobb Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am requesting an immediate deletion of a DEROGATORY PUBLIC RECORD OR COLLECTION FILED note in my credit report. XXXX XXXX XXXX XXXX ( of XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX ) is failing to acknowledge that the debt that they are trying to collect on behalf of XXXX XXXX XXXX XXXX XXXX ( of XXXX XXXX XXXX XXXX XXXX NC XXXX ) is inaccurate and that they should not have placed it into collection and reported to XXXX. 
I have repeatedly informed them and their client ( the XXXX XXXX office ) that the Insurance ( XXXX ) indicated by a letter ( see attached ) that the XXXX XXXX office failed to verify the eligibility of my son for the treatment. I also acknowledged that I failed to do the same and accordingly offered to pay half the amount. 

The XXXX XXXX  office should have acknowledged their mistake in handling the insurance eligibility verification and should not have sent the account into collections when I had offered to resolve the issue by offering to pay for my portion of the mistake. The collection agency - XXXX XXXX XXXX - should do a better job in verifying the accuracy of the claims before reporting to credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
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 have been denied apartment applications due to id theft on my credit report that XXXX  and equifax refuse to remove even with the documents required to remove ( ID theft report, social security number, and drivers license via mail with tracking number. ) I believe my rights have been  violated and I would like these accounts to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 contacted this companies ( XXXX XXXX & XXXX XXXX XXXX ) about these debts, they have fail to provide me with the : Original application or contract, Any and all statements allegedly related to this debts, Any and all signed receipts, and any and all cancelled checks, in accordance with the debts collection practices acts section 1692G.

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