BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello! I have an account that showed up on my credit reports when I realized this I disputed it. This is not my account but the company refuses to delete it. I received a form with a signed lease, this is NOT my signature. I am attaching a photo of my ID and also my signed affidavit that the company provided to me. Also my report of identity theft. You can see the signature of my ID does not match the signed lease they have. I do not own this account I am a XXXX  from XXXX I do not own any money on any accounts to anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX XXXX XXXX XXXX gave me a loan for my mortgage. In XXXX XXXX XXXX also sold my loan to Wells Fargo and it's been with Wells Fargo since XXXX. 

XX/XX/XXXX I received a letter from an attorney representing XXXX XXXX, saying that Wells Fargo had demanded XXXX XXXX buy back the loan at the current balance. XXXX XXXX, therefore demanded that I pay the remaining balance in full which is currently XXXX and that I pay it in full in XXXX  days of the notice. Or my house would be foreclosed upon and sold. 

I reached out to the attorney for XXXX XXXX for further explanation on three occasions but received no responses. I reached out to Wells Fargo, and the first time their representative investigated my account, they confirmed my loan was current, no late payments had ever been made. They told me to ignore it. A loan that is current, can not be foreclosed on. Even though XXXX XXXX had threatened it. 

After not hearing from XXXX XXXX attorney, I reached out to Wells again a second time. This time, they issued a case number and told me that someone would investigate it further, because nobody had ever heard of a bank selling back a loan that is current back to the original lender after XXXX years. 

After not hearing from the attorney, I went on to XXXX XXXX website and contacted several email addresses, until I got a response from somebody. They told me that XXXX XXXX messed up by not reporting something correctly and to fix it they needed to run a credit report. I asked them not to. They said OK they would not, that they would use the old credit report used when I obtained loan. But a day later, I received several notices, that my social was run for inquiry, and have been getting calls non-stop. XXXX XXXX said that it was an error, and they didnt mean to run report but the damage was done. 

After also hearing back from Well, they advised that they actually had notified XXXX XXXX, that they were supposed to buy back my loan on XXXX. But no explanation as to why I was not notified first to try and save my house. Their only concern was that I continue to make payments until they sell the mortgage. 

So, to start off, not sure if I found out by mistake early. It almost seems like I intentionally was kept in the dark so I would not have time to be able to save my house. Second if I am current with my mortgage, can a bank really foreclose on my home.

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 2023-07-17
Company: Adler Wallach & Associates, Inc.
State: SC
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:
AWA Collection have been furnishing my transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; AWA Collection is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy..

15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: GOLDMAN SACHS BANK USA
State: VT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/, I opened an Apple-Goldman Sachs savings acct XXXX using the apple wallet. I transferred money from my apple cash. 

In the agreement, and even written in big letters on the app, is that the money is available for withdrawal at anytime. 

However, when I tried to withdrawal funds on XX/XX/XXXX - back to my apple cash it was repeated declined. 

When I called to inquire, I was told that they money was subject to " transfer delays '' and that these " transfer delays '' may last for up to 90 days. When I asked her to define " transfer delays '' she couldn't. I objected, '' and stated that this was in violation of the contract, and also in violation of what is explicitly written on the app.. the XXXX  agent told me that they could always return the money immediately to where it was deposited from. When I said, that is what I was trying to do, she blamed the delay on apple, and would not provide further explanations. 

In the end, they would not make the funds available as the advertising promised. So I simply initiated a 100 % withdrawal of funds with instruction to wire transfer to my physical bank. Then, several days later, the money was at last deposited into my funds. 

I told XXXX that I would be reporting this fraudulent activity on their part. As well I told them that this may include joining a class action suit - as it seems that many persons were complaining online of a similar negative experience of GS not allowing withdrawals, despite the clear adverising of " funds available for withdrawal anytime. '' Then, today XX/XX/XXXX, I received an email informing me of an " Update to our Account Terms '' that now has a clause that says " We reserve the right to require you to notify us in writing seven days before a withdrawal is made from your Account. '' It also now says, " We may restrict your access or use of your Account, or close your Account, at any time and for any reason, without notice or consent '' It also now states, " Claims may be submitted to arbitration on an individual basis ONLY. Claims subject to this arbitration provision may NOT be joined or consolidated in arbitration with any Claim of any other person or be arbitrated on a class basis ... '' As well as, the updated account agreement says, " We may use the funds in your Account to cover any : XXXX '' and " You agree that we may respond to any such legal process in our own discretion without regard to jurisdiction. '' And " Regardless of the terms of any legal process, we have first claim to any funds in your Account '' and " We are not required to accept or execute any Apple Cash Transfer instruction. '' It is crystal clear that they could not abide by the original terms of their advertised services that were in place when the account was opened. So they have now gone back and modified them with absolutely unacceptable terms. 

Account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: ASSOCIATED BANC-CORP
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account was frozen by Associated bank because I was trying to send a payment on XX/XX/2023. I called their fraud department customer service on the same day to verify all the details. But that rep just closed my account without my consent after I VERIFIED everything with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit file and I noticed a hard inquiry, which I didnt recognize.

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 2023-07-18
Company: ALLY FINANCIAL INC.
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open an account at Ally Bank a few years ago, and I was denied. When I called asking for an explanation, I was told that it was because my credit score was too low. This had to have been false, because my credit score was and remains well over 700. I suspected the real reason for the denial was because I had recently applied a credit freeze to my consumer reports with XXXX, XXXX, and XXXX after some of my personal information was compromised. But a credit freeze isn't suppose to prevent me from getting an account -- the bank should just reach out to me to confirm it's me trying to open the account before proceeding. 

Today, XX/XX/2023 I tried again to open a savings account -- this time as a joint savings account. Once again, the application was denied. I received no explanation for the denial. The only statement provided by Ally Bank 's automatic system was this : " We weren't able to approve your application. We can't accept your application because it didn't meet our requirements. We didn't make an inquiry to your credit report. We appreciate your interest in Ally Bank. '' I tried calling Ally 's 24/7 support line for more information, but had to wait on hold for a long period of time before I had to give up. It is unclear what " requirements '' Ally Bank claims I have failed to meet.

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 2023-07-17
Company: CL Holdings LLC
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: Information is missing that should be on the report

Complaint:
Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. I have carefully reviewed my credit report from XXXX, and I believe there are several items that are not reported correctly. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

XXXX, account number, XXXX, inaccurate amount shown on the credit report. 
XXXX account number : XXXX, inaccurate amount shown on the credit report. 
XXXX XXXX : XXXX, inaccurate amount shown on the credit report, accounts closed In XXXX. 
XXXX XXXX inaccurate amount shown on the credit report. I have disputed the amount several times. 
XXXX XXXXXXXX, inaccurate amount shown on the credit report. 
XXXX XXXX XXXX XXXX, Not my debt, do not know why or how this account exists on my credit report. 

XXXX XXXX Account closed company stop reporting and no longer in operation. 
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. 
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. 

The accounts above violates Fair Credit reporting act : 15 USC 1681 section 602 A. 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 an account without my written instruction.

15 USC 1681c. ( a ) ( 5 ) Section States : 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 ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

Under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to investigate and verify the accuracy of the disputed items within 30 days of receiving this letter. I kindly request that you investigate these matters promptly and remove any inaccurate or unverifiable information from my credit report.

Additionally, I request that you provide me with a written copy of the results of your investigation and a corrected copy of my credit report. Please ensure that any corrected information is sent to all creditors who have received my report in the last six months, as per my rights under the FCRA. 

I appreciate your prompt attention to this matter. If necessary, please contact me at XXXX or via email at XXXX to discuss this dispute further. 


I look forward to a prompt resolution of this matter. 


Thank you for your assistance. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: NV
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 Reporting Act the following companies has violated my right. 
XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # 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 2022-11-03
Company: PNC Bank N.A.
State: MI
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:
After sending a CEASE AND DESIST LETTER TO PNC BANK XXXX XXXX XXXX XXXX MAIL ( 1-day delivery ) To stop harassing me, which includes text messages, mail, emails and phone calls on XXXX XXXX. Pnc bank are still harassing me as of XXXX XXXX. 

Pnc is yet again in violation of 15 usc 1692c!

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except Pnc sent me an email, violating 15 USC 1692c! 
Knowingly doing so. Attached will be a copy of this law and also a picture of Pnc harassing me via email. This is causing so much emotional distress because as a consumer, I have consumer rights. 

Pnc also does not have permissible purpose and the letter sent out XXXX XXXX has also stated every other law that was violated by PNC. I have given PNC a month to comply with my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
You have really gone so far on disregarding my disputes. AGAIN, this state is unbelievable! Transunion and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Transunion so the reason of we didn't get it '' doesn't occur but then its like nothing happened. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I am in desperate need of this account to be CORRECTED : 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 2023-11-25
Company: DISCOVER BANK
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received a letter from Discover letting me know they have been over charging my account with interest since XXXX. They sent me a letter on XX/XX/XXXX stating that they were sending me compensation and would reimburse me for 12 % of the over charged fees. I have asked for documentation explaining how much was over charged and details of this from the past 7 years so I could presume they reimburse me the full 100 % and not just 12 % of what I overpaid in interest the past 7 years. 

I have requested these details more than one occasion through phone calls and also through their messenger on their website. 

I spoke with someone on XX/XX/XXXX to have a supervisor call me but they said they would not get back to me until Wednesday, XX/XX/XXXX because it was a holiday. I received no attempted phone call from a supervisor and then sent Discover a message saying no phone call was made, they then responded to call back to have the issue resolved. I messaged again back a forth letting them know the issue still had not been resolved and no phone call had still not been made. I have records from my phone company showing they did not make a phone call and I also have a recording of the conversation with their knowledge of me recording the conversation. 

I also am in a bankruptcy and they claim they can not send me documents due to this but they have sent me 7 documents just this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was seen in an ER XX/XX/XXXX and received hospital bills shortly after my visit which I paid ( even confirmed through my insurance app that all bills were paid ). In XXXX of XXXX, I started to receive an additional bill for {$68.00} from a Physician for that visit. Thinking it was taken care of and the bill was a mistake I did not inquire about the bill until XXXX when I received another notice. I expressed to the company ( with website XXXX  ) my concerns on receiving a bill so long after my services were thought to have been paid. I informed them I would need to get further clarification from my insurance as to why this bill took so long for approval ect. It took longer than anticipated to get information from my insurance. When I went to pay my bill on XX/XX/XXXX I saw it was sent to a collections company HRRG. I called XXXX XXXX pay to paid the bill and expressed my discontent about it being sent to collection when they should have seen in the records that I was in the process of trying to receive additional information. They assured me that my credit would not be affected and that I should not receive any further communication about the bill. A week later I received a phone call from HRRG about the debt and was understandably upset the associate made a note that the debt was paid and told me I would not be contacted again. Today on XX/XX/XXXX I received another call from HRRG. I did not trust the number that called since it was a local number and asked for the company number. I then called the number, ( XXXX ) XXXX, to figure out why I was still being harassed about a bill that I paid on XX/XX/XXXX. The person I spoke with said they saw I had a do not call on my account, but they had no proof the bill was paid and that I needed to provide them proof in writing or call the original company ( XXXX ) to have them remove the bill from collections for them to no longer call me. So, I called the company I paid and they said the bill was paid and to just let the collections company know so they would not call back. I informed them that I had done so and still received a second call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the Equifax Fraud Department at XXXX about the unknown inquiries on my Credit Report. I did apply for credit or contact any of these company to obtain any credit or loans from none these company at all. I also did sign any documents for them to pull my credit file, don't known who given permission to do so. The Fraud Representative told me when talk to them on the phone, that they will remove the hard inquiries once they received the complaint from the CFPB. at the time at they don't have any Disputes at the time. but I file a complaint with the CFPB weeks ago. the hard Inquiries are listed below XXXX Card Date XX/XX/XXXX Equifax XXXX/XXXX  Date XX/XX/XXXX Equifax XXXX XXXX Date XX/XX/XXXX Equifax XXXX XXXX XXXX Date XX/XX/XXXX Equifax XXXX XXXX XXXX Date XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX DATE XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX Equifax XXXX/XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX Date XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation