BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This collection agency have threaten to damage my credit report because of a bill that was created on XXXX. I was making payments to XXXX in an amount that I could afford, which began with payments of {$150.00} and because I could no longer afford that due to decrease in hours at work I was only able to the amount of {$20.00} per month. I applied for assistance with XXXX but I was denied help. XXXX sent this bill to collections and I have been in contact with this collection agency and communicating with them and have been paying them as much as I can my first payment was for {$78.00} and my second payment was {$100.00} which i sent out today in the mail and when I called them they were asking for more like {$77.00} more and I don't have more! We are still in the midst of a pandemic and it is really hard to pay more! That was all I could pay towards this bill and the collection agency stated that my account could at any time be pulled and sent yet another third party agency and it's beyond their control! It's really sad that I was charged this much in the first place a {$3000.00} plus just for in XXXX. This is wrong and if they are not able to handle this situation, then I know surely XXXX will! I still have to pay for housing and for my car so that I can even go back in fourth to make the little money I have to pay my bills with and if I only pay this one and not the others then I will not be able to go to work and they will not be able to get any money from me so what do they choose to send this bill to the get the little that I'm giving or to get none, seems like this is not understandable to everyone!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
To Whom It May Concern : In XXXX, my vehicle was wrongfully repossessed by Wells Fargo. I communicated with Wells Fargo in reference to my payment and we came to an agreement on when I needed to make the payment to prevent repossession. I received a letter from Wells Fargo stating I had 10 days from the date of the letter to make the payment. 

I was able to get the funds to pay the balance of the loan, but Wells Fargo had the vehicle repossessed prior to the 10 days agreement and reported the repossession to the 3 major credit bureaus. I communicated with Wells Fargo in reference to the agreement, I was able to pay off the loan and they released the vehicle back to me. But, the repossession stayed on my credit report for 7 years. I tried to get Wells Fargo to remove the derogatory remark from my credit report but they refused. It was years before I was able to recover financially because of this derogatory remark on my credit. 

Now, Wells Fargo has been hit with a lawsuit for this very reason. Your company provided me with the following number ( XXXX ) XXXX to contact Wells Fargo. I spoke with one of Wells Fargo customer service representative, to find out who will receive the compensation and if I was eligible. She indicated they have not dispersed any money and they are still working on who is eligible and to call back within another month or so. According to XXXX, some of Wells Fargo customers have already received checks or credit. 

How can I find out if Im eligible to receive the compensation?

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 2023-05-13
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 am contesting any information on my credit report that I believe is not accurate. The data included in the copy of this document has not been verified and should be documented before it can go onto my file as a result! The report that you have received is not accurate. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it doesn't meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it. This is a reminder that all of your claims need to be accurate and reported in the correct format. This requirement goes by two names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ), Metro 2 I demand proof of how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to investigating these suspected claims on your end. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove the information from my report. I also would like for you to mail me a copy of your actions and my updated credit report. The information you have provided does not appear to be accurate or verified. If any of these claims are false, please delete them immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL 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 2023-09-29
Company: EQUIFAX, INC.
State: TX
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: AR
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:
In XX/XX/2022 I made complaints against the credit bureaus regarding information not being accurate in my credit report. I received responses from each credit bureaus as if the claims were investigated and my credit reports were verified. 

If the each of the credit bureaus verified my accounts that were being submitted to CFPB, why do my credit report indicates from each of the credit bureaus that the accounts were never disputed? If they were verified why is all of the highlighted information on the accounts still not the same? 

Equifax complaint number XXXX XXXX complaint number XXXX XXXX  complaint number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX 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 an account without my written instructions

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 2021-12-02
Company: ALLY FINANCIAL INC.
State: MS
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:
On XXXX XXXX, 2021 while browsing cars on XXXX, the preapproval option was given. No where in the writing did it notate that the preapproval would be a hard pull and on top o that my credit was also pulled by XXXX XXXX as well as Ally Financial, without my knowledge or consent. Therefore this did cause my credit score to drop. I ask that these inquiries be removed immediately from my XXXX 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 explanation
Consumer complaint received 2020-12-14
Company: RESIDENTIAL HOME FUNDING CORP.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am looking for a good rate to refinance my home. I saw a rate of 1.75 % for 15 years with zero fees and zero points advertised by RealFi mortgage in XXXX when I searched with my loan scenario. There was an option to provide my details and the loan officer  would get in touch. XXXX XXXX - NMLS # XXXX | Company NMLS # XXXX was the loan XXXX who reached out to me from XXXXXXXX  and he was very ignorant about the advertised rate and mentioned that the 1.75 % rate would involve a {$2100.00} origination costs. The loan officer even promised the same via email. Since I was convinced by his promise I accepted for the hard enquiry on my credit score. After he pulled the credit and even when I am in exceptional credit category he provided me a loan estimate where the origination costs is {$3700.00} which is {$1600.00} more than the promised origination costs. When I enquired about it he said {$2100.00} was the discount points and there will be fees on top of it. But according to his written promise In email the origination costs which is the section A of loan estimate is {$2100.00}. This has caused my credit score to drop drastically and when I talked to his manager XXXX XXXX regarding this, he was not ready to help. I feel cheated by the XXXX lender and I would expect the consumer protection forum to intervene in this and provide an appropriate solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom it may concern, I was recently reviewing my credit report and I noticed that there was an unauthorized inquiry on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
The fraudulent credit inquiries were made by the following companies : Inquiry : 1. XXXX XXXX  XXXX on XX/XX/XXXX 2. XXXX XXXX  XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX  on XX/XX/XXXX 4. XXXX XXXX XXXX XXXX  on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX  on XX/XX/XXXX 6. XXXX/XXXX  on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

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 2018-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery has repeatedly called me, Calls me twice a day every day. I tried answering the phone a few times but then no one talks. I have asked them not to call me. Here is an example from my call log. 

PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Thu. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Thu. 
XX/XX/XXXX ORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Wed. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Wed. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Tue. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Tue. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Mon. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Mon. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Sun. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Sat. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Thu. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Thu. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Wed. 

PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Wed.XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 6s RECEIVED XXXX XXXX EDT Mon. 
XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 2023-10-02
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I open a checking account on the US Bank splash page with the promo code XXXX on XXXX. Based on the promo terms, Ill get {$400.00} bonus after enrolled in online banking and have two direct deposit with total more than {$6000.00}, the bonus will be deposited into my account within 60 days of deposit. 

I completed the task XX/XX/XXXX and after 60 days, I did not received the promised bonus. I confirmed by calling them that I have the bonus code for this account when it open, and I also confirmed with them that I finished all the task at the time XX/XX/XXXX and XX/XX/XXXX. I called to ask them about the bonus, but they never reply back with the research that they are doing which supposed to be concluded in 3 business day. 

Attached is the fine print of the promo, the screenshot of confirming my promo, and my tasks finished on XX/XX/XXXX. 

A minimum deposit of {$25.00} is required to open a U.S. Bank Smartly Checking account. Earn a {$200.00} or {$400.00} bonus by opening a new U.S. Bank Smartly Checking account ( excluding Safe Debit Account ) online, in a branch or over the phone by the expiration date on your mailer. Additionally, you must enroll in online banking or the U.S. Bank Mobile App within 90 days of opening your account. You must also complete two or more direct deposits within 90 days of opening your account that total : {$3000.00} to {$5900.00} to earn the {$200.00} bonus, or {$6000.00} or more to earn the {$400.00} bonus. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer or the government. Other electronic deposits or person-to-person payments are not considered a direct deposit. The checking bonus will be deposited into your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank Mobile App as long as your account is open and has a positive balance.

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 2022-08-09
Company: Patient Accounting Service Center
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid the debt ( {$70.00} ) in XX/XX/2022. I continue to get notices every week from ARSTRAT  stating that I owe them {$38.00}. I have called the original debtor and they say that it has been payed. I have called ARSTRAT and they say the account has been settled and the account is closed. I ask why I continue to get the notices if it is payed, every time they say it is because I payed just before the notice went out. I say each time that I payed back in XXXX, why do I continue to get the notices. I want it to stop and I want them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Experian Information Solutions 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 very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP as this very exhausting. Nobody wants to grant me a load because of this. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion has not received written instruction to furnish a consumer report on my behalf in doing so Transunion is actively committing 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 non-monetary relief
Consumer complaint received 2023-05-14
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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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 XXXX Account # XXXX, XXXX XXXX XXXX NA Account # 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

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