BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2020, I opened a checking account and deposited a {$300.00} check drawn off of XXXX XXXX. I was told that a 1 business day hold would be placed on the check and {$200.00} would be released and the other {$100.00} would be held for an additional day. I expressed that I need access to those funds and I could easily cash the check if the hold was going to be longer. I was assured by branch personnel that the hold would not be long. At approximately XXXX XXXX  after business hours, I received a hold notification stating my check would not be released until XX/XX/2020. I called the branch the next morning XX/XX/2020, and was informed that the hold was placed because the check could not be verified. I advised the branch that the bank was a small community bank in XXXX and they could verify the funds verbally. I was told that Bank of America does not verify funds verbally. However, the branch manager stated that she would look into this situation and get back with me ASAP. Additionally, I expressed to the branch that I detrimentally relied on the information and had I known there would be an extended hold I would have just went to XXXX XXXX  and cashed the check. On XX/XX/2020, I called Bank of America 's customer service and spoke to several members. I was told by a manager of customer service, XXXX, that there was nothing that could be done regarding the hold. The hold would still be on the account and that the check could not be returned to me because it was already processed. Also, I was told that the check would not be released earlier. The manager advised me that even though I was told the check would be released after 1 business day, I should've know the check was going to be held longer because that information was stated in the 70 page disclosure handout given to me when i opened the account. In this instance I feel that Bank of America 's banking practices are deceptive and misleading and the information regarding my check violated Texas consumer laws. As stated earlier, I relied on the information the branch provided to my detriment and suffered dearly.

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 2018-04-26
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:
XXXX XXXX XXXX ACCOUNT IS NOT MINE, PLEASE REMOVE THE ACCOUNT FROM MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
SALLIE MAE CLAIMS I AM A CO SIGNER FOR A PRIVATE STUDENT LOAN OPENED IN 2013. THE ACTUAL BORROWER NAME IS XXXX XXXX WHO IS MY EX GIRLFRIEND 'S DAUGHTER. THIS COMPANY HAS REPORTED THIS DEBT ON MY CREDIT BUREAU AS A CHARGEOFF. THEY ALSO ARE CONSTANTLY SENDING ME LETTERS AND EMAILS. I NEVER SIGNED ANY PAPERWORK COSIGNING FOR THIS PRIVATE STUDENT LOAN. I HAVE DISPUTED THIS THRU MY CREIT BUREAU AND ALSO HAVE SENT THEM A FAX IN WIRITNG ASKING FOR VERIFICATION OF THIS DEBT SHOWING MY SIGNATURE ON A CONTRACT AND TO STOP CONTACTING ME. TO NO AVAIL THEY HAVE DONE NEITHER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Resurgent Capital Services L.P.
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/2017 LVNV FUNDING LLC. add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account Was transferred/sold and I am no longer Responsible for the account. Debtors creditors did not verify this Collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, LVNV FUNDING has violated my rights as a consumer And Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Opportunity Fund
State: OR
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:
Opportunity Fund XXXX This account was settled and paid on XX/XX/2021 however they are still reporting the balance of {$74000.00} on my credit report. It has been more than 60 days now. The balance needs to report as XXXX or have the account deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I was put in a bind when US Auto Sales went bankrupt and shutdown without any notice. I signed a contract with them and as the customer I feel like nothing was explained and I signed a XXXX car loan with them in which it's the car I have which is a XXXX XXXXXXXX XXXX is very over-priced. I feel like the way they do service is trash. And I also feel like it was a breach of contract to sell my info to another company without my permission. And Westlake representatives is very unprofessional, speak broken XXXX, always hang up in my face, and they also can not produce any contracts and my balance is wrong. And now they are repossession cars when I don't know anything about their company or what they do.

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 2019-01-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There have been some fraulent charged/scheme involved, stolen cards and unauthorized transactions on my HSBC account. I already reported to the internet law enforcement and also made a police report number XXXX. However, HSBC still did not assist me further as according the Federal State Laws as " Consumer Credit Protection Act of 1968 '' and Fair Credit Billing Act ''. That HSBC did not follow the laws and failed to deliver/provide the promised under the card disclosures.

HSBC ignored my claims and even closed my credit card and debit card without notifying me neither put closed account in writing after very late as I requested. I was treated unfairly and HSBC is definitly showing misrepresntation, misleading me and caused my damages in many ways. Because they made me feel that my rights were not covered and claimed no where I could get my card under protections by federal/state laws. So they made me admited and forced me that I had to pay for all of my fraulent unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: CT
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:
The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Hello I contacted the Heartland ECSI and set up and E account in XX/XX/XXXX. Time passed and around XX/XX/XXXX. I contacted Heartland ECSI to confirm the balance could still be paid. I was told yes and that the account was XXXX and would be applied immediately to XXXX XXXX XXXX. So I paid a outstanding tuition balance in the amount of {$950.00} it cleared my account on XX/XX/XXXX via ACH Debit using my chase checking account XX/XX/XXXX. Web Id is noted below. 
EDUCATIONAL COMP EPAYMENT XXXX WEB ID : XXXX ACH debit {$950.00} Since I completed the transaction online via my Heartland account portal XX/XX/XXXX. I followed up on the XXXX with Heartland ECSI and the customer service representative XXXX XXXX Told me the amount had been paid in full. 
I contacted the XXXX XXXX XXXX registrar 's office to request transcripts XX/XX/XXXX. XXXX Student accounts office explained that they have several active services with Heartland ECSI but past due tuition collections for my XXXX student account was no longer a service they partnered with Heartland ECSI. Specifically I spoke with Mrs. XXXX who is Director of Student accounts ( XXXX ) a made it clear to me in certain terms that I needed to request a refund from ECSI and pay the university directly. That the information I received from the previous Director of Student accounts was no longer accurate. 

I immediately followed up with Heartland ECSI repeatedly contacting there offices, requesting a refund which they have refused to give me. I spoke with 3 customer service reps two managers and was told don't call anymore and that I would never see my money again. Every heartland ecsi representative has told me that they can see the payment and that the monies are sitting in some XXXX account that the University ( XXXX ) has access to so they consider it paid. The University has told me that this account is associated with a service agreement that is no longer active so they do not access this account. I insisted but to their defense I did not pay the University I paid Heartland ECSI and they can not provide proof of payment to XXXX. I call repeatedly in XXXX of each year only to find that my money sent to them 2 years ago to this day are still sitting on the companies books in some erroneous XXXX account and have not been paid to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.

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 2023-08-14
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX,? I purchased a XXXX XXXX XXXX, from USAuto in XXXX, SC. I purchase a 3 year Service Warranty, at their insistence. It covered large repairs. I have been paying on that so called warranty for 26 months. On XX/XX/XXXX my transmission went out while I was traveling, I took it to two different repair shops, both said I needed a new transmission, costing approximately {$5000.00}. I called the warranty company, I was informed that USAuto had filed bankruptcy and my warranty was no longer valid. I called USAuto/Westlake. I was told the same thing. I have made repeated call to both parties. I was told that I canned get a refund for the money I have paid for an invalid warranty. I am ready to let them repossess this car. I do not have the money to repair it, anything you can do will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
The amount that was financed is wrong and they are. Also representing late payments thats incorrect

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 2023-08-14
Company: FIRST HORIZON BANK
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have asked for a replacement card many times and I have not received one. Today I am willing to pay to overnight a card to my work address but they said I had to go to a branch. I live in Maine. The closest branch is in Virginia. I asked to speak to a supervisor and was told I could not, my only action was to go to a branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have collection that appear in my credit report 4 month ago from amsher collection services {$300.00}, its about t mobile phone company from 2017, I return the item and it was for signal and I don't have use for it, it appear in the past from different collocation co and I dispute the error and it shows up again from different agency can you please help me to fix the problem and prevent them from using my information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: SC
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/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a credit card account with XXXX 's XXXX XXXX in XXXX, WI and it is not showing up on my Transunion report. This problem was first addressed in XX/XX/XXXX and it has not resolved. I met with the bank in XX/XX/XXXX and have inquired via e-mail three more times since then. I have contacted Transunion as well. It seems that since this account was suppressed from a Bankruptcy in XX/XX/XXXX it has not been reporting. This account was reaffirmed in the bankruptcy and was not included in the bankruptcy - in other words we did not want to lose this account so we continued to pay as agreed and did not close this account. 

Also, from the bankruptcy in XX/XX/XXXX, we reaffirmed our mortgage with XXXX XXXX  XXXX ( now we are serviced by XXXX XXXX XXXX ) and this account, also, is not being included on our credit reports. THe reporting has been suppressed since back then and it looks like we never even had a mortgage! We have been in this home for over 10 years and we aren't getting the benefit on our credit report. YES I called the credit companies and YES I called XXXX XXXXXXXX XXXX starting back in XX/XX/XXXX, Again in XX/XX/XXXX and finally, just called on XX/XX/XXXX. Please help!

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 2023-02-25
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Greetings, I'm an honorably retired and permanently XXXX military veteran. I'm one of the many innocent consumers affected by Wells Fargo unethical, illegal, and discriminatory mortgage practices. 

I have filed several complaints on the CFPB website about Wells Fargo 's egregious actions. 

I reached out to Wells Fargo on several occasions prior to and during COVID for assistance. I repeatedly pleaded for Wells Fargo to offer me a loan modification and a refinance to keep my family home. 

I bought my home while selflessly serving in the military. By joining the military and making other life choices, I was fighting for my country, building a promising future, and creating generational wealth. 

Unfortunately, I lost my home because Wells Fargo unfairly denied assistance to me. 
Wells Fargo initiated foreclosure proceedings, forced my family out of our home, and damaged my credit standing. 

Wells Fargo caused PERMANENT and GRAVE harm to me ( and my family ) emotionally, mentally, and financially. 

I wanted to keep my home in the family and pass it down to other generations. Wells Fargo 's biased actions have prevented that from happening. 

Additionally, I could not get assistance from other banking institutions/lenders due to Wells Fargo 's deceitful and dishonorable conduct of reporting foreclosure proceedings to the credit bureaus. 

I humbly request that the Consumer Financial Protection Bureau help me get compensation for the destruction that Wells Fargo has caused me and my family. 

Wells Fargo keeps denying any wrongdoing. I ( and other victims ) state otherwise. Consumer Financial Protection Bureau, please hold Wells Fargo accountable for their illicit actions.

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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following account be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation