BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: CO
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 so many levels I am frustrated this is totally wrong and it is a shame as a veteran for this country I have to continue to pay consulting fees to companies in order for them to instruct me on how to deal with all of this false reporting on my credit reports. I have sent so many letters to these companies and they are refusing to act accordingly. This is heartbreaking and its making me delusional. As a veteran I should be able to move forward with my life without being given more frustration because of unwillingness to follow the law. This is absurd. I have attached all the documents from the previous months that I have sent and I am asking these companies to remove all this mess. It is false, inaccurate, erroneous and someone keeps running my credit. This is illegal under the united states laws and the FCRA and the FDCPA, Im not an attorney I dont know what Im suppose to put here. WHy WHy Why do you keep costing me more and more money? Please respond. You arent responding to some letters and when I did receive a response it was totally bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
My complaint is that I had no way to cancel the annual renewal with XXXX XXXX by phone or online. I did attempt to cancel timely, but I wasnt able to reach the vendor in a reasonable manner. XXXX XXXX phone number on the credit card statement was only a recording referring you to go online. Then online you must have a login with user name and password. I dont have the user name and password and the email account it was under does not exist anymore. No other method is provided. I then called USAA to dispute in XXXX. I called back USAA in late XXXX XXXX to follow up, but no dispute was done. It's an unknown reason why the dispute wasn't started in XXXX. USAA asked me to upload a letter online explaining what happened which I did. I just found out today XX/XX/XXXX that you don't receive my letter upload explaining what happened. USAA denies my dispute. 

USAA is not able to help or answer the questions : How would I have canceled this service with a phone number that leads to a recording? 
How can I cancel the service now? 
Can USAA confirm this account is canceled and no longer active? Obviously, I have no way to contact XXXX XXXX. 

backstory : I had my office assistant order XXXX XXXX back in XX/XX/XXXX. We used the service only in early XXXX. I wasn't aware it renews annually. 
My office assistant XXXX XXXX left the company in XX/XX/XXXX. Her email is no longer active. I don't have the password to login XXXX XXXX. I was unaware the account auto-renews annually. I have no way to log in and use the account. I want to cancel it! 

I saw this annual renewal charge on my XXXX USAA statement XXXX. I called XXXX XXXX to cancel and get a refund. The XXXX XXXX phone number was a recording to go online. So I tried to go online at XXXX XXXX, but I could not log in, and there was no other way to communicate with XXXX XXXX online unless you login.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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:
15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general 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.

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered

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 2022-07-12
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT COLLECTION SERVIC XXXX # XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX I have written to them several times and call them to send me proof that this is in fact my debt. No XXXX time they sent me a contract with my information and signature. This has caused harm to my credit profile and prevented me from getting favorable debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: National Credit Systems,Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: ProCollect, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this information with XXXX and of course it came back verified. On XX/XX/2019 original creditor vista village apartments notified me that I had an unpaid balance in the amount of {$550.00} due. My lease ended XX/XX/2019. XXXX XX/XX/2019 at XXXX I made a payment of XXXX towards the unpaid balance. Payment number XXXX. Total balanced left unpaid was {$440.00}. I was not notified by pro collect to collect this debt as well they are trying to collect {$900.00} when that wasnt the original debt owed.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Please abide with the law in order for this matter to be resolved promptly. This is the unverified account that needs to be corrected : XXXX XXXX XXXX XXXX XXXX : {$340.00}.

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 2021-02-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Received notice by email that, unless I responded, that I would be switched to paperless billing. I would never have received this. I just happened to check by junk email as I do periodically and caught this. 

This removed the consumers choice because they are slipping this choice under the door without announcing it. It could result in late fees damaged credit reports and other issues. It is unethical and immoral violating their own agreement to notify their customers in writing of changes to billing. 

It benefits only Chase and is misleading and a poor way to do business. It also takes advantage of customers. At a time when it would be very easy to get behind in your payments and be more difficult to catch up, this trend ( the second company Ive seen do this ) is dangerous ; it damages consumers choices and can damage our economy. Its foolhardy and inappropriate. It just stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
From XXXX to XXXX of XXXX, i filed a dispute Experian and XXXX about the Unverified account XXXX  XXXX  account # XXXX. I have not received a response in over 30 days which is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved.. Thank you

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 attempted to send a request for to XXXX XXXX XXXX on XXXX XXXX 2023 via certified mail to the address listed on my credit report ( XXXX XXXX XXXX XXXX, Ga XXXX ). The letter was returned as undeliverable. According to the FCRA i have the right to an accurate credit report. Since the address is not listed correct i demand any account associated with XXXX collection agency be instantly removed.

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 2021-02-06
Company: Nelnet, Inc.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Around XXXX XXXX, 2020, Nelnet made programming changes that caused Nelnet borrowers with older browsers/computers to be cut off from their account data. 

The Nelnet homepage works fine. The dialog boxes used to login by providing user name and password work fine. But once logged in, the XXXX XXXX XXXX is not presented with their " dashboard '' as previously was the case for many years, but is instead presented with only a blank screen and two buttons : HELP and LOGOUT. 

Browser XXXX  XXXX. 
This browser can not be upgraded on my computer. 
This browser works for all other websites.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, The XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, and XXXX XXXX # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a loan from Cash CentralXXXXDFS showing up on my credit reports as closed and charged off as bad debt and purchased by another lender. It shows the account was closed on XX/XX/XXXX. And opened on XX/XX/XXXX, with a balance of {$2500.00}. This lender was predatory and never disclosed the actual terms of the loan. It was not until later I realized that it was impossible to ever pay off the principal amount because the interest rate was in excess of 200 %. It violates every usury law and essentially set me up to default on my face. Further, I would have never taken out such a loan if I thought or knew that was the case related to the interest rate. I've disputed it through Credit Repair companies and it still shows up as an outstanding balance owed. Now sold to another lender. I've requested original documentation of this loan and it has never been provided to me. Further, the damage it has caused to my personal credit by their misreporting and intentional dishonest reporting practices should be just caused to have the items removed from my credit report indefinitely and to any future predatory company they claim to have sold the debt to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been asking Portfolio Recovery Associates for a hard copy with my signature for this debt as of now they have not complied with that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-10-30
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since XX/XX/, I have not been able to deposit checks from XXXX XXXX XXXX ( XXXX  ) to my Wells Fargo checking account. The XXXX  checks are drawn on a XXXX bank account. I have been successfully depositing checks from XXXX  for years. Previously, they used XXXX, which became XXXX. Same account number. 

On XX/XX/2023, I deposited a check using the ATM. I immediately received an email from Wells Fargo stating that there was a problem with the check and it could not be deposited. The check and the XXXX account from which it was drawn are both active and viable. I checked with XXXX, as well. 

And again, yesterday, XX/XX/2023, I deposited two checks from XXXX, totaling {$400.00}, into my Wells Fargo checking account. And immediately, received an email that the checks could not be deposited. 

Wells Fargo has not been able to resolve this issue. I suspect that there was a malfunction with the ATM in XXXX. 

I do not have access to the funds and I'm beyond frustrated that once again, I need to spend time on this.

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 2021-02-06
Company: Aldous & Associates, PLLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXXXXXX, A health club in XXXX, New Jersey went out of business during the pandemic. 
I was a member. When they went out of business I canceled my membership and canceled my reoccurring payment with my credit card company. 
After they were out of business, XXXX XXXX, another health club took over the facility. I have been contacted by a law firm representing them in order to collect what they say is a debt of {$140.00} I have no business or contract with XXXX XXXX. I have not been to a gym nor do I intend to go to a gym because of the pandemic. 
XXXX XXXX  continues to try to collect this debt which I do not owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent are fraud. Please delete the accounts : XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2021-02-04
Company: National Credit Adjusters, LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
1st off this is referring a Secured Credit Card from XXXX XXXX aka XXXX XXXX XXXX, Now on my credit report under XXXX XXXX XXXX I originally disputed this with XXXX and XXXX in XX/XX/2020 through XXXX XXXX, all i get back is that it meets FCRA requirements. I have called XXXX, cause also they are on my credit report as XXXX XXXX and as NCA, which i don't believe i can have same account listed twice, which tell me, yes it is there & correct. Regardless I sent NCA a letter in XX/XX/2020 asking them to forgive this debt because as a secured card, they are not to raise my credit limit without my permission and my deposit to open the account is to go to any outstanding debt. This account should not be in collections.This is not the only issue I am having, m just first of many.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
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: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got 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 2021-02-05
Company: ALLY FINANCIAL INC.
State: ND
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried numerous times to talk to someone at Ally Financial about an auto debt that I paid off last year, on XX/XX/2020. If and when I actually get to talk to someone about my account, they say they cant help me. It was sent to a collections agency XXXX XXXX XXXX XXXX. I had set up payments with them on behalf of Ally Financial to resolve this debt and it was paid in full. XXXX XXXX XXXX said they notified Ally that the debt was taken care of. Ally will not only update with the credit Bureaus that the account was settled and that there is a XXXX  balance. They are alleging I now owe another {$10000.00} 's. Which is the amount that was already paid. My credit score is dropping so far down, because they refuse to change my status. One of there representatives told me to file disputes, which I have done numerous times with no resolve. I have documents, and receipts with proof of payments made. I am not sure what else to do at this point. This derogatory remark is ruining me and my families ability to apply for any type of loans. During these difficult times.

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