BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Today, XX/XX/2023, at XXXX I received a phone call from someone claiming to be a Wells Fargo agent. He claimed there was fraudulent charges on my account and he asked for some of my personal information. I gave him the last four digits of my SSN and the pin number for my debit card. After this I called the Wells Fargo fraud number and they informed me my debit card was cancelled and reissued. I found out the scammer tried to withdraw {$1000.00} which was denied and set up XXXX XXXX which I did not authorize. I have already spoken with Wells Fargo, XXXX and the FTC. His name was XXXX and the phone numbers he called me from are XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Aldous & Associates, PLLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX  Aldous & Associates, P.L.L.C. agreed to a settlement of XXXX for violating communication tactics according to FCRA guidelines. It has been 3 weeks and I have not heard back from them after I sent certified mail agreeing to the settlement of the XXXX. It makes no sense that I have to communicate with this debt collector agency via The XXXX XXXX XXXX to receive any communications. I have sent over 5 letters which were all ignored until I filed a complaint through CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I had federal student loans serviced by Fedloan. 

XX/XX/XXXX : I paid them off in full during the pandemic pause. 

XX/XX/XXXX : When I heard that those who made payments/ paid off their loans during the pandemic were eligible for a refund on those payments, I called Fedloan to request mine. I was told by the rep that my request was submitted. 

XX/XX/XXXX : I called Fedloan to follow up with my refund. Was told that my refund was never processed and then had it re-submitted over the phone. A couple weeks later when I called to follow-up. After entering in my information there was an auto-recording saying that my loan payment refund request was submitted on XX/XX/XXXX. 

XX/XX/XXXX : Again, called Fedloan to follow up. This time, the audio recording said that Fedloan no longer serviced my account and that I had been transferred over to XXXX. I tried to create an online account with XXXX  - but after creating a login and entering my info- I received an error saying that there was no loan information for me. I called XXXX and was told that Fedloan transfers won't be appearing until XXXX. 

Since then I've called multiple times and tried accessing my account multiple times to no avail. I want to know where my refund is and when I'll get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: NJ
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 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 2022-11-11
Company: EQUIFAX, INC.
State: NC
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 was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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  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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I consulted Citizens Bank website after being on hold for too long when trying to call them, and found that I would not be charged for a stop payment fee based on my type of account. I processed the stop payment and was then charged. When my wife called she was told that the account was a " different type behind the scenes '' -- whatever that means. Please see attached for proof of account type an, their web info that we won't be charged and the charge to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
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:
Subject : Request for Correction of Inaccurate Reporting and Revocation of Consent to Share Information To Whom It May Concern, I am writing to address critical concerns regarding the reporting practices and contractual obligations between myself and Carhop Finance, specifically in relation to the sharing of confidential information and the acknowledgement of the termination of a security interest. 

On XX/XX/2023, I formally notified Carhop Finance, pursuant to 15 USC 6801-6805 and 16 CFR 313, revoking all consent for the disclosure of any transaction history between myself and Carhop to XXXX, XXXX, XXXX, acknowledging my rights to privacy in this financial relationship as supported by the Federal Trade Commission XXXX 

I am aware that the information shared by Carhop Finance violates these regulations, as they are reporting prohibited details, notably a " charge off, '' which, according to IRS publication 4681, pertains to income and is not to be included in credit history. This misreporting has the potential to significantly impact my financial standing and credibility unfairly. 

Moreover, Carhop 's privacy policies only mention affiliations with " financial companies such as auto dealers with a CarHop name '' and " companies with a Universal Acceptance Corporation or CarHop Finance name '' as authorized third parties for information sharing. However, the reported disclosure extends beyond these stated affiliations, violating the outlined policies.

Additionally, my notice of revocation also included the termination of all granted security interests on pages 1 and 3 of 8 of the " retail installment contract. '' To date, I have not received any acknowledgement of this termination of security interest, nor have I been reimbursed for funds paid out of pocket, despite the note having already been paid to the order of Carhop. 

This inaccurate reporting and lack of acknowledgment regarding the termination of security interest not only compromises the accuracy of my financial records but also has the potential to cause irreversible harm to my status as a surety or beneficial title holder in private. 

I am requesting an immediate correction of the reported inaccuracies and a prompt acknowledgment of the termination of the security interest, along with reimbursement for any payments made toward the note. This will rectify the erroneous information and prevent any further potential damage to my financial profile. 

I appreciate your urgent attention to this matter and expect a prompt resolution in accordance with the established regulations and contractual obligations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated and corrected these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
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:
The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: SANTANDER HOLDINGS USA, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I went to my local credit union on XX/XX/XXXX to inquire about getting an auto loan. I was told that Im limited to a certain credit limit because Im considered a first time auto buyer. I responded that such information is not correct as I already paid off my first car loan with Santander Consumer USA. She claimed that such information isnt reflected on my credit report. I contacted Santander that very same day and was told that the report should be sent and updated in 3 business days. I also contacted XXXX the same day alerting them of the mistake and was told to allow Santander 3 days as claimed to submit the report. On XXXX XXXX XXXX I followed up again with XXXX and was told by XXXX that they havent received anything. She also advised that I should contact CFPB for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello. I applied for the 5 year XXXX  loan forgiveness with aidvantage.com and I was denied. They want me to fill out a new form however this is not possible because I have worked at 2 different XXXX  and I do not have access to the previous principal. I provided them with evidence of 5 years of XXXX  at 2 XXXX XXXX XXXX with the signature of each administration. I also signed the section 4 form and dated it. 

My data is supported through my 2 images titled : my data # 1 and my data # 2 which both have the signatures of my admin and one of them has my signature and date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 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 2023-12-13
Company: Shellpoint Partners, LLC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
For many years, I tried to resolve a mortgage loan with Shellpoint ( and others ). The problem was the mortgage amount had escalated so much it was now XXXX on an $ XXXX loan. 

However, instead of working with me, they gave me a modification of $ XXXXmonth. That was unaffordable and stupid, as the house was not worth that amount. 

In comes a builder, who offers then $ XXXX for the house at a short sale. They take it- yet would not work with me at all. 

The short sale was complete on XXXX. Yet still... nothing on the credit report. It takes 2 years from the date of a short sale to get another mortgage. Now am three months farther out from being able to obtain financing.

Question # 1 : Why would not work with me but would immediately take a short sale?

Question # 2 : Why haven't you reported it to the credit bureaus?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: GA
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:
The account in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report, especially when the income reported does not belong to me as the consumer. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. Account Name and Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was solicited in the XXXX Airport to sign up for an American Express Delta Sky Milescard. I was not informed that the card carried an annual fee of XXXX for use of the card. I received the car a couple of weeks later. I called to activate the card and asked the phone attendant whether this card carried an annual fee for use of the card and its privileges. I was told by the attendant that she did not know if there was an annual fee and went on to say that if I would be assessed a fee that the company would nullify the fee and then I could cancel. I went ahead and activated the card. I did not use the card for any purchases. Yesterday I received the monthly statement from the credit card company which indicated a XXXX fee on the statement for use of the card and benefits. I called the number on the back of the card ans asked to cancel the card. The card was cancelled by the supervisor who said she would have to " launch an investigation '' into whether or not I would be liable for the fee irregardless. She would not confirm whether the fee would be reversed. I asked that she call me today to verify that the card was in fact cancelled and the fee reversed and as of now I have not heard from the company 's representative. I hope you can contact the company to please put an end to this misunderstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: PA
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 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 2023-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
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 account number # XXXXXXXX PORTFOLIO RECOVERY ASSOCIATES  account number # XXXX, XXXX XXXX account number # XXXX & XXXX account number 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Colony Brands, Inc.
State: MO
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:
See attachments. XXXX XXXX, ID theft, FCRA willful violations. Nonconsensual trafficking of my nonpublic information used for defamatory purposes for their monetary gain. Colony Brands has no authority to furnish and is furnishing years past its legal limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of 2023 I noticed that my auto pay that I set up again for the XXXX time still did not set up. I was sure it was set up because I had spoken to an agent this time that explained since me and my girl friend at the time both had accounts the system wouldn't allow us both to use the same card for auto pay. 

So i thought we squared it away and it was on auto pay. I wrote a letter to the company this time when to my surprise the auto pay was still not on!! and my payment had to be manually made due to their system. 

So Again I followed up and this time the representative said that he can find any communication on my account ever!! He said that there agents sometimes make notations under the phone number instead of the account so my account has no notations so they wouldnt be able to pull that call, and fix the thing Ive been dealing with all year! 

You can see that that until this happened for XXXX years there were no problems I dont believe this account was ever late as it was reported.

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