BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-15
Company: Dream Center Education Holdings
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In the fall of XX/XX/XXXX I was attending the XXXX XXXX of New York. I became ill shortly after the semester began ; and per doctor 's order, I was ordered to rest at home for two weeks. I notified the school immediately and went home to XXXX to recuperate. The first week home I received a phone call and was told I could not return to the XXXX XXXX due to my missing two weeks of school. I offered to do any school work at home and was denied this opportunity. I literally begged to be able to do the class work from home but still denied. I asked for the loan disbursement of approximately {$6000.00} be returned to XXXX XXXX, my private loan lender at the time, and the XXXX XXXX refused. Over the years I have made occasional calls to XXXX XXXX, now XXXX, which were of no help to me. 

Since the XXXX XXXX of NY closed in XX/XX/XXXX, I was told to contact Dream Center Education Holdings ( parent company of XXXX of NY ) which I did. Again, no help to me. I was told to contact a CPA firm  in Pennsylvania who is handling the bankruptcy of Dream Center Ed. Holdings. Can someone please help me get this {$6000.00} loan discharged or forgiven?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, 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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX # XXXX, sent me an XXXX Application : On XX/XX/XXXX, My Physician and I filled out the application and sent it in. XX/XX/XXXX I received a response saying they were reviewing my application and XX/XX/XXXX they replied my physician did fill out the application. I have proof and the account is old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
USAA Credit Card. I have a balance of {$.00} on my credit card account. I attempted to pay this amount via the USAA Mobile app XX/XX/21. I selected " current balance '' as payment amount, deliver by date Tuesday, XX/XX/XXXX, from ( account stored on file ). I received a message that popped up stating " The amount you have entered is less than the minimum required. '' I tried again, this time entering an Amount to Pay as {$1.00}. I then received a message, " You have entered an amount that is greater than the account balance. '' I was unable to complete a payment for the amount owed. 

I attempted to use the mobile assistant but could not get an actual person to answer the question ( just automated attempts ). So, I called the USAA call center. I explained the issue and was advised that was correct, this is how it works and that I could not make a payment for {$.00}. I asked if there was any difference between the mobile app functionality and the actual online site and was advised that it was the same. I was then recommended to just go out and buy something else. I responded that was not the answer I was looking for, I just want to pay what is due. I was then told they could just refund the charge. I declined as this is a valid charge and is recurring monthly, so that is just a temporary solution. If I only have this charge and don't happen to use the card another time during the month, I still want to be able to pay for it. I was unable to reach any resolution during my call and still can't make a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have filed multiple complaints with XXXX XXXX for various reasons and they all keep being compiled under once complaint record number which should be again record compliance procedures. I have specifically requested that each complain for each reason be logged as a separate complaint and addressed separately to which I was just advised is not being adhered to by Wells Fargo - SURPRISE! I have filed corresponding complaints with the CFPB that align with the complaints submitted with Wells Fargo that are being combined, although they are different reasons. I am tired of being strong armed and discriminated against by my financial institution as they operate as they see fit and ignore their consumers wishes. I would like explanations as to how/why my requests to file complaints are being ignored and dismissed. I would like to speak with XXXX XXXX about my concerns and have my loan serviced by an ethical and competent loan servicing company, which is obviously not Wells Fargo.

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 2023-03-25
Company: EQUIFAX, INC.
State: NY
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:
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 by the FTC 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 is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: FULTON FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking account approximately 35 years ago solely in my name only to control large withdrawals from happening. The bank has changed hands 3 times however, my account number has remained the same. On Sunday XX/XX/2022, I noticed there was {$15000.00} withdrew from my checking account so I transferred {$30000.00} to my savings account leaving a small amount in the account. I contacted Fulton Bank customer service first thing Monday XX/XX/2022, and spoke to XXXX. XXXX informed me that Fulton Bank is showing the account as a joint account with my wife listed on the account. I stated that this is a huge mistake on Fulton Bank behalf as I purposely opened this checking account solely in my name only to prevent this from happening. My statements are mailed to me monthly with my name only on the account. My 1099 is in my name only. I requested documentation showing that my wife is legally listed on this checking account with my local Fulton Bank XXXX XXXX XXXX Maryland on XX/XX/2022. I was informed the documents weren't showing in their system that they were requesting documents to be researched. On XX/XX/2022, the records were researched listing me only on the account. My wife stated she didn't know she was on this account until the local branch informed her. My account information has been compromised ( transactions ), {$15000.00} is missing from my account, and Fulton Bank hasn't removed my wife from this account or returned the funds. Local XXXX XXXX XXXX XXXX informed me she is researching documents showing my wife on the account. I informed her the reason she can't find any documents with my wife on the account because there is none. XXXX XXXX refused to provide me a copy of my account documents solely listed in my name. This is a huge bank error that must be held accountable for. I'm requesting my wife removed from the account, {$15000.00} returned to the account, and compensated for this security breach compromising my account information.

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 2023-09-16
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
i got a pos vehicle with a loan provided by credit acceptance corporation in XXXX, the vehicle had issues immediately i spent XXXX  on repairs and vehicle didn't even last 6months. i voluntarily gave the vehicle back to the lender. credit acceptance corp proceeded to get a default judgement against me 6 years later in XXXX  and proceeded to get a revivor on that default judgement in XXXX  they have been attempting to collect XXXX for over 20 years through this default judgement. they are a predatory lender that preys on the lowest income people in american society. i have been XXXX since XXXX  and am unable to ever pay this money. i previously filed a complaint with cfpb regarding this issue and a XXXX XXXX of credit acceptance corp reached out to me and stated the company was officially closing my account and would be filing in XXXX XXXX ohio municipal court to dismiss the default judgement against me and that the company would be mailing me documentation of this. i have not received any documentation from the company and no motion to dismiss default judgement has been filed. i reached out to their attorney at XXXX  XXXX and XXXX in XXXX ohio regarding when they would be filing motion and they stated they were not aware of credit acceptance corp closing account and dismissing default judgement and they would reach out to them to verify this and get back to me the attorney never responded back to me. i want to ensure that credit acceptance corp follows through and closes my account and that they get this default judgement against me dismissed and would like verification from the company that the account has been closed and the default judgement has been dismissed.

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 2022-12-24
Company: EQUIFAX, INC.
State: GA
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:
n accordance with the Fair Credit Reporting act. The List of accounts below has 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 XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX , XXXX XXXX XXXX XXXX : # XXXX , has 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 a 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 2020-02-04
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent them a letter to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. ( The XXXX XXXX main company is also in XXXX Ohio ) I called where Mr. XXXX works at. The operator told me that he doesn't work there anymore. I asked if there was any other person taking my account and she didn't say and hung up. ( I sent a letter on XXXX XXXX .I called on XXXX XXXX. To find if they got my letter. That is when I found out Mr. XXXX didn't work there anymore. ) I called on XXXX, XXXX and spoke with operator and gave her my case number XXXX. She looked that up and transferred me to a location, never said where I was being transferred too. Automated service came on asked question. I tried answering questions. I wait on phone for 20 minutes. No One ever  came on. So I hung up. Tried calling the number I received the other day. It was the same automated thing from before. 
All I want to do is solve this issue. It has been going since XXXX with 5 collection companies and the problem started with Citibank/Costco visa credit card. 
That is why I writing again on this company XXXX XXXX because you can go to reference # from this complaint XXXX also from CFPB on XXXX XXXX, XXXX. 
At least Mr. XXXX could told me that the company was from XXXX XXXX. 
I feel that I have been lied to and harrassed by these companies. No one cares about me at all. They just want to go by what Citibank has for the debt. 
I don't owe the amount they are saying and no one is listening to me. Customers have rights too. There isn't anything in the fair trade act that has been done yet with this issue. 
I feel that I haven't been treated right. I have had to get someone to monitor my phone calls so I won't have to harrassed 10 times a day. Anyone who calls can leave a message for me to call back. I just want to be treated fairly. 
Integrity is very important. 
I also have been advised by a lawyer. He told me to go to the CFPB and also send the letters. I did that and never heard from anyone.The letter I received from XXXX XXXX on XX/XX/XXXX and also finding out from XXXX said to call XXXX. 
The amount was {$8500.00}. 
I just want to know who has taken over the account after Mr. 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 2023-03-25
Company: EQUIFAX, INC.
State: FL
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:
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 by the FTC 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 is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: TX
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Tha items are listed below that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXX FM XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXXXXXX Balance : {$4800.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXXXXXX Balance : {$630.00}, XXXX XXXXXXXX Balance : {$0.00}, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 46 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2023-09-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit 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:
Last time I used my Overstock store credit card was 2 years ago for a purchase, then suddenly I got this bill that I owe them something, come to find out that it was a subscription for like a club store which I don't remember signing up, I tried to talk to customer service only to find out that the company is closing that specific credit program altogether but that still I owe them that amount, I tried to talk to them about this charge but I couldn't get a straight answer specially that my account is already closed. My problem is I don't really want to pay the initial amount they are asking because I feel that I haven't used their service. My bigger problem now is that I am receiving additional bill because I haven't paid my previous due which I am trying to resolve but couldn't because I can't get hold of someone to help me. I'm being bounced from XXXX customer service to another just because my account is showing to be closed and that the only way for me to remove this issue is just top pay up whatever they are billing me for.

Company response to consumer: Closed with monetary relief