BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-19
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting 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've noticed unauthorized inquiries on my credit report that I would like removed. 

Ally Financial Inquiry Date - XX/XX/XXXX The number listed for this inquiry is not in service.

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 2023-02-02
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
XX/XX/2020 XXXX AM I PURCHASED A USED VEHICLE FOR {$39000.00} {$5900.00} EXTENDED WARRANTY XXXX MILES FOR 10 YEARS {$290.00} TIRE DISPOSAL ENVIRONMENTAL PROTECTION TOTAL COST {$45000.00}. FINANCE CHARGE WAS {$16000.00} AND MADE THE APR 23 % OIL CHANGE WAS NEVER DONE I NOTIFIED THE DEALERSHIP AND PROVIDED PROOF I ALSO PROVIDED DIAGNOSTIC OF THE DAMAGES THAT WERE CAUSED DUE TO THEM NOT CHANGING THE OIL AND I ACTUALLY PAID FOR IT TO BE DONE. I WENT TO THE DEALERSHIP SO THAT THEY CAN FIX IT SINCE I PURCHASED AN EXTENDED WARRANTY I WAS TOLD THAT I DONT HAVE ONE. THE DIAGNOSTIC THAT WAS PERFORMED BY THE DEALERSHIP SHOWED MANY PROBLEMS AND THEY TOLD ME THAT THEY CANT HELP ME. EVEN AFTER THE EXTENDED WARRANTY WAS PURCHASED.

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 2018-11-21
Company: Financial Credit Service, Inc.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Received a call at XXXX XXXX today from a no caller id advising me I was being contacted about a fraud investigation and asked me to call XXXX at XXXX to clear my name. Upon my call and after multiple transfers I was sent to XXXX XXXX whom introduced himself as the general manager. I was informed of an old payday loan that was taken out XX/XX/2016 that was sent to collections due to being return from my bank and I was facing theft by deception along with many other criminal charges and would be arrested under Alabama title 12 if I didn't pay the check amount of {$580.00} plus attorney fees bringing the total due to {$3900.00}. I explained to Mr. XXXX I was unaware of the check he was referring to, not denying but needed further clarification or information prior to any commitment I was willing to make beings I have not received any collection notices from anyone regarding this debt. I was informed by Mr. XXXX that this was not a collection agency but a3rd party criminal investigation company trying to verify my address to issue warrants. However since Mr. XXXX became hostile with his threats of jail time and his non compliance with providing me with information on said debt and Mr. XXXX denying my request to be transferred to someone higher than him, I hung up on him after a XXXX  min XXXX  second conversation. Something needs to be done with this company, Debt collection is a civil matter & it is against the law for debtors to threaten criminal action for non payment of a debt under Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: SLM CORPORATION
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I have two private student loans with Sallie Mae ( formerly XXXX ) that were opened on XX/XX/13 and XX/XX/13 that I am seeking relief for. 

XXXX knew that my university ( University of XXXX ) was engaging in illegal practices and decided themselves to engage in predatory lending practices knowing that the chances of paying off the loans were slim. My university and XXXX purposefully misrepresented graduation outcomes/partnerships to trap students like myself into expensive private/public student loans that could never be replayed or at such high interest variable rates that payment would never be able to bring down the principal balance. They ultimately settled with XXXX state Attorneys General but, due to technicalities in the settlement ( i.e. I wasn't in default ), I was unable to seek relief for their illegal behavior so I am asking the CFPB to get involved. 

More information on the settlement can be found here : XXXX XXXX XXXX XXXX on the FTC Finding can be found here : XXXX XXXX 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 2024-01-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Filed a claim because of unauthorized transactions in my debit card wells fargo ( denied ) XX/XX/23 - XX/XX/23 total amount 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 2023-04-07
Company: Atlanticus Services Corporation
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The collector is XXXX. Originally Fortiva with XXXX XXXX system. XXXX in total is owed. In early XXXX the company contacted my stepsons mother who was away on vacation regarding the bill. Not sure how they found her number and I do not share my business with her nor are we close friends. Two weeks later, they contacted my stepson about this same bill. I spoke to XXXX and her manager indicating I was not sure when I would be able to pay possibly at the end of the month. I do want to rectify it. They continue to harass and call repeatedly on different local numbers. Each one I block. They are now sending emails to my email account as recently as of last week, around XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I had to take my daughter to XXXX XXXX XXXX XXXX for an emergency room visit. Since that visit, I have received monthly statements from XXXX XXXX, who I pay through their automated patient portal bill pay. In the patient portal I see billing for my daughter 's visit as well as my own medical bills. 

As of today, XX/XX/2021, I received a collection notification from Healthcare Revenue Recovery Group ( HRRG ) ( ref. # XXXX, letter dated XX/XX/2021 ) on behalf of FL XXXX XXXX XXXX XXXX XXXX ( Account # XXXX for {$160.00} ). 

I called XXXX XXXX XXXX and I was told that the emergency physician was XXXX XXXX and that he was with XXXX XXXX XXXX XXXX ( I do not recognize Florida XXXX XXXX XXXX XXXX XXXX XXXX ). According to XXXX XXXX, billing for the physician would be done by a separate XXXX XXXX team and that all bills would be displayed in my XXXX XXXX account with a specific 'access code ' for each bill. No additional bills were submitted outside of my daughter 's original bill, that I can see in the XXXX XXXX patient portal. 

I tracked down a number for Florida XXXX XXXX. XXXX XXXX XXXX and was directed to a company called XXXXXXXX XXXX ( XXXX XXXX. I called XXXX XXXX and asked why I was receiving a collection notification since all of my billing was done through XXXX XXXX and I never received a bill or any calls that I had any outstanding, unpaid balance. The XXXX XXXX customer service person told me their process is to send a statement and if they do not receive payment they send the account to collection. No phone calls are made. I explained that I was never made aware of any debt and that I should not be sent to a collection agency. I was told to call the collection company and make a payment. I asked to speak to a supervisor/account manager regarding this issue because I did not understand how I could be sent to collection for a bill that I never received. I was told someone would get back to me, I am still waiting for that call. 

I do not acknowledge this debt nor the company that has erroneously sent me to collection.

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 2023-03-03
Company: EQUIFAX, INC.
State: MD
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:
I sent letters to each credit reporting agency about inquiries that I did not personally authorize and/or give them consent to publish and therefore negatively affect my credit report. Per 15 USC 1681b this a fraudulent of each credit report agency. 

My letters demanded they verify the information and to produce the contract which clearly states that I gave them the information. They have not provided me any contracts or paperwork that bears my signature proving that I gave them permission. 

These letters were sent XX/XX/XXXX for which I have certified mail receipts. I t has been more than 30 days and my credit report is still fraudulently publishing information without my consent/permission by proof of signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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: Account information incorrect

Complaint:
There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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 2023-11-22
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 non-monetary relief
Consumer complaint received 2019-09-04
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Medicredit, Inc. has called me from XXXX and hangs up after a recorded message. I performed a reverse telephone number search and saw they were a collection agency. The Medicredit invoice/statement just came in the mail, dated XX/XX/2019 and they have already started harassing phone calls 2 days after mailing, much sooner than the 30 days before their due date to respond. I called them back and I told them that the medical bill that has the same total amount due has been paid and if they contact the creditor agency they would confirm the bill has been paid, but they refused to talk to me unless I reply back to their questions that involved very personal private information that would allow IDENTITY THEFT under the guise that they needed to verify who they were speaking to. I refuse to give out such private protected information over the telephone, especially to anybody I do not know. The Creditor Name and Creditor Account number do not match the doctor 's office bills ... so evidently they also do not keep good clean records. 
PLEASE address this issue of their hang-up calling to bait people into calling back, and their requesting very private personal information that easily could be used for Identity Theft. Their agent on the telephone got to the point of rude verbal harassment, so I just hung up.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
I XXXX XXXX currently have some Fruad inquiries on my credit report I have listed inquiries below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report

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 2021-07-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2018-03-02
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
I dont owe XXXX i never had an account with them I was in jail from XXXX I told them it wasnt me they dont care. they said i must pay it i got scared I didnt want to go back to jail again.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 explanation
Consumer complaint received 2023-10-06
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2023 Wells Fargo own Transaction record clearly showed that {$4500.00} disappeared from my checking account without any knowledge or approval. The missing money was paid to another person account under " XXXX XXXX '' Wells Fargo blamed me for the origination of the " Bill Pay '' ( see attached Wells Fargo finding ). While Wells Fargo transactionrecord clearly showed 1. XXXX XXXX initiated the funds transfer on another computer ( Wells Fargo own reference number XXXX ) This clear evidence refutes Wells Fargo claim this originated from my account which is farcical at best. 

2. No bill payee detailed on my account under " XXXX XXXX '' was ever established from my account. This clearly refutes Wells Fargo blame and assessment this originates from my own account. 

I strongly believe this accounting error originated from Wells Fargo. 
Wells Fargo later than redacted this same transactional record from my access ( point 1 ). Not before me capturing the details. Further avoided any reference to these facts. 

I believe these irregularities ( theft ) is further exacerbated by Wells Fargo own finding which blames me for these missing funds. 
As I've shown these details to Wells Fargo, they have clearly ignored any evidence of findings submitted ( submitted here again ). 

This is clearly theft by an internal employee or an accounting error, which Wells Fargo refuses to research and follow any leads on. What I would expect from banking fudiciary responsibility that is clearly owed to a 40 year account owner.

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 2023-10-12
Company: DISCOVER BANK
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: DISCOVER BANK
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the XXXX financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: EQUIFAX, INC.
State: MD
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 am writing about the bad experience I had at the XXXX XXXX XXXX  Dealership located at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX ; On XX/XX/2018. 


While at work, I received a credit monitoring alert that my credit was ran at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX location around XXXX XXXX XXXX XXXX XXXX. I notified the salesman of this error and he ask the Manger, XXXX if this was done. She said yes, and they would correct it. However, I would have not known of this egregious error if I have not been alerted. I call the dealership requesting an at fault letter : XXXX, dealership manager on duty said that one would be sent, but never received. That was on XX/XX/2018. Thats really concerning. She violated the Federal Fair Credit Report Act, by running my credit without my permission. They were very unconcerned with trying to correct this very important and urgent issue. 

Second complaint with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. My wife and I purchased two vehicles, one in XXXX and the other in XXXX. The vehicle purchased in XXXX, according to XXXX XXXX, they never received the payoff from XXXX. Because of this, my wife and I credit have been affected. Were both employees of the Federal government and maintaining good credit is a must due to our security clearances. We have worked with a different manager at the dealership, which has been more helpful than the last. My wife and I are seeking punitive damages for these reprehensible acts. I have buyer remorse. This has taken a lot out of my already busy schedule to address this. 


Since we were recommended by a friend who said that XXXX XXXX XXXX always had a good reputation, thought youd like to know you just lost a potential customer because of these poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: NJ
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'm sending this to inform you that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation