BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have placed a freeze on all 3 credit bureaus, Equifax, XXXX, and XXXX, and I just received an alert stating there was a PIN change on my account. I have not made any changes on my accounts until now. Customer service is closed, therefore I can't report this until tomorrow. I don't know how someone got inside my account or even know my username/email to get into my account because you have to know my social, address, how to spell my first name ( XXXX ). My spouse denies any doings but he has given my information away in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Aldous & Associates, PLLC
State: PA
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:
There is a gym membership account from XXXX XXXXXXXX in collections with Aldous and Associates on my XXXX credit report that I never opened. I have never been inside of any XXXX XXXXXXXX location and I most certainly never signed any contracts with them. I had a former XXXX 's XXXX membership which I ceased using in XXXX. The XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, PA XXXX moved to a new location in XXXX which I never visited. In XXXX they filed XXXX XXXX bankruptcy and the court ordered liquidation of all of their assets. I then began getting debit card charges from XXXX XXXXXXXX operating out of the former XXXX XXXX XXXX location that I never stepped foot in. I called XXXX XXXXXXXX to have the debits stopped but was hung up on several times. I eventually closed my bank account they were using to collect payment. XXXX XXXXXXXX now claims I owe them {$200.00} and has reported this on my credit report. I have never been in their gym and refuse to pay for something that will be on my credit report for seven years, especially since I've already paid several months before I closed my bank account. I do not believe I legally owe them any money since I never verbally or in writing made any such agreement with XXXX XXXXXXXX or Aldous and Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I and my wife contacted USAA about a check that they told us prior in the mobile app that a hold would be placed on our {$6600.00} check and only {$500.00} would be available for XXXX  days. But they was no way to allow this to clear unless she deposited her check. That was the only way to determine if they could do anything. 
As soon as she deposited it they looked into it and the representative said she could not reverse the decision. I have been fighting tooth and nail to get the funds released early as {$6600.00} for a family of XXXX is quite a bit of money and so far this month our only income. I have not been able to purchase groceries or anything for my family or myself since last Friday. Our bills didnt stop coming and groceries ran out. I took this all the way to the CEOs office and I got stonewalled the entire time. What caught my attention today was that XXXX apparently negative in my account by {$3.00} when I asked the representative today if I wanted to stay in good standing with USAA ( I have XXXX intentions ) but for the sake of argument would that - {$3.00} have a negative impact on my account and she stated yes. So my big question and not only for myself how is it ethical or legal on any grounds to determine an account negative when the consumer has the funds, the funds arent just available due to the punishment or whatever reason there is such a long reason on the funds. Did this happen prior to me? They couldnt answer but I dont see how this is moral or ethical in anyway especially to a veteran that a bank prides itself on helping and being there for when in fact it feels more like its exploiting a certain market. The money will be available on XX/XX/XXXX I find this unacceptable and inhumane. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: BMW Financial Services NA, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I went to apply for a vehicle and was denied access to the line of credit that was opened in my name. My application was received and they ran my social security, which by that point we had entered a consumer credit transaction where I, The Beneficial Owner, are owed a line of credit in amount equal to the amount I applied for. In denying me, I was discriminated against ; The amount of credit history has no legal impact on the decision nor is it lawful to deny someone based on information from third party affiliates per ; Federal Reserve Act. Sec. 16 " Issuance of notes '' and " application for notes '' and 15 usc 1605. I also gave a tender of payment to give the bank clarity on what to do with my application which I will provide in the following text box along with a photo of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Consumer Reporting agencies Failed to do a Proper investigation. You Recently verified XXXX XXXX XXXX XXXX ( XXXX ) account number XXXX as XXXX percent Verified Accurate. With all the errors on my report its not possible a investigation was done. 15 usc 1681i I've also seen on my credit report inconsistent information among the three different Credit Reporting Agencies. 

XXXX XX/XX/2022 reported 90 Days Late, Transunion reported nothing, and XXXX nothing because the account was Removed. How can you be 90 Days Late XX/XX/2022 XXXX without prior being 30 Days Late and 60 Days Late. It is impossible. This is inconsistent and incomplete. 

One of the most important is the " Last Activity '' so we as consumers know when a account reaches 7 years. Its impossible to Trust the CRA 's when Transunion or XXXX does not report a " Last Activity '' and XXXX deleted the Entire account. 

Again how am I to trust XXXX XXXX XXXX XXXX ( XXXX ), Transunion, XXXX, and XXXX to act in good faith? Please remove because the " High Balance '' is reporting three different amounts. There is no way this account was properly verified Accurate if Transunion reported " {$25000.00} '' and XXXX reported " XXXX '' and XXXX Removed account. 

The Payment History is Incomplete rating with Years of positive payment history missing. 

XXXX has changed the " CO '' date to XX/XX/2022 and Transunion reported " NR '' 15 USC 1681a 2 ( B )

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 2022-11-15
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C Without the prior consent if 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 15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt ; 15 U.S. Code 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt! You never sent me any proof of verification either you ignored my letter, I sent it on XX/XX/2022, you received it on XX/XX/XXXX, that was my second letter you ignored, this qualifies for an automatic deletion! XXXX, that's the tracking number! Regards, XXXX XXXX I UNDERSTAND THE CO

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: National Credit Adjusters, LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a {$500.00} visa gift card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$500.00} ( {$500.00} for the gift cad, and a {$5.00} activation fee ). THe gift card had {$0.00} funds on it. I attempted, over the course of several months and at least 10 phone calls, to resolve the issue with XXXX ( who issues the gift card ). They never provided a replacement card with funds on it. I disputed the transaction on my credit card. CITI labeled it as " did not receive a service '' and requested documentation from me. I sent them documentation explaining that it was a gift card that was sold to me with {$0.00} in funds on it. I included pictures showing the defective card ( which had paper over the barcode, which is what made it unusable ). CITI closed the dispute and claimed I did not " prove '' I never received the service and that I had not responded to their requests. I attempted to reopen the dispute, and they did the same thing again. THey have not specified what documents they woudl need -- I was sold a product, but was never give that product. To continue to bill me for this 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 2022-05-20
Company: EQUIFAX, INC.
State: TX
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 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XX/XX/2020 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Nelnet, Inc.
State: CA
Product: Credit reporting 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:
I was apart of the Department of Education 's lawsuit XXXX XXXX XXXX and as a result, several of my student loans were dismissed. However, the Department of Education and NelNet continue to report the closed accounts on my credit report. I have contacted both companies over XXXX times since XX/XX/XXXX and I am always told to give it 30 days and the older, closed accounts should not appear on my credit report. 

Here we are in XX/XX/XXXX, and several old closed accounts are still being reported. Since they are closed, they should be removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Rent Recovery Solutions
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This morning I was contacted ( via phone call ) by a debt collector concerning a claim that a debt was owed to XXXX XXXX XXXX, XXXX XXXX, La. The debt collector said they attempted to provide a notice of validation at the last known address. The address that the notice was sent to was not a correct address and the forwarding address had expired. I requested that the debt collector send the notice of validation to my correct address and they informed me that they don't send a second notice. This seems to be in violation of my rights as a consumer as I have not received notice of my right to validate or challenge the debt. I request that XXXX XXXX send me a notice of validation at the address that I provided to their debt collector today so that I may exercise my rights as a consumer. XXXX XXXX also added charges to the debt that were not due to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Discover Card. On XX/XX/2022, while traveling, Discover Card, without warning and for not decernible reason, put a hold on my card. I was sent an email which required me to down load a poorly worded form statement and take it to a notary, have my signature placed on the form before the notary, have the notary sign the form and then mail it to Discover. This was impossible at the time as I was traveling from Florida to North Carolina. I called Discover and was shuffled from one operator to another. Noone could tell me why they had taken this action to freeze my account nor would they do anything to assist me in resolving this issue. I feel this was an unfair and deceptive trade practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
I made 2 payments for Westlake financial services .so the report on my report is wrong they sold my car to auction with my 3 items of mine would like to dispute this out of my account. XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  this account is still open and not close. {$360.00} XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  dispute this account paid then account got closed. {$94.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: WHEELS FINANCIAL GROUP, LLC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My account with XXXX was included in a recent bankruptcy proceeding. Due to the fact that I wanted to keep the vehicle I have continued to pay. Recently when contacting XXXX for a payout, I was told that {$1400.00} was remaining on the loan and the estimated maturity date was XX/XX/2020. These totals don't add up, if the account is estimated to mature ( meaning done with payments/loan obligation ) than the amount should be {$940.00}. This was the exact arrangement discussed between XXXX and my attorney upon reaffirmation of the debt. 

After speaking with a representative today, I was told that they don't know when I will be paid out from this account and they couldn't give me an exact maturity date due to fees and other reasons on the account. 

I feel like since this account was included in my bankruptcy proceedings and I chose to keep the vehicle ( for the record, this account was in good standing prior to the bankruptcy proceeding ) I am being scammed with fees and additional money to extend the maturity date. I feel they are aware the repercussions if I do not continue to make this obligation and the effects it would have on my credit after the bankruptcy. I feel like this is a shark way and they continue to manipulate people with fees based on their circumstances. It is predatory lending at it's finest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Mobile : XXXX Card # : XXXX SS : XXXX XXXX XXXX XXXX : XXXX My name is XXXX XXXX and Im writing in regard to an inquiry I had with XXXX XXXX. I had late payments for the credit card and account outlined above and had requested they be removed. Throughout this time, I had dealt with extraordinary difficulties that required an overwhelming amount of time and financial resources.My subsequent conversations with XXXX XXXX led to the deletion of the two late payments I incurred during the pandemic, however, I inquired about three specific payments dating back to XXXX, XXXX, and XXXX of XXXX. I had asked for a goodwill adjustment from the bank as I had been a customer for forty years. I spoke to XXXX, a case representative for the bank. I explained my current situation, but she was dismissive, rude and reticent regarding my request. She specifically stated that the bank could not complete my request despite my proving they had been helpful in the past. From here the representative became more agitated at which point I said I would just have to take the account down to zero and close it to conclude my business with the bank. Thereafter, I noticed that the two payments the bank had withdrawn were reinstated after my phone call. This seems to me like retaliation for closing the account as the charges had been removed but immediately reinstated after my conversation with said representative. I am reaching out now as these are clearly not the proper actions for a bank to take against a customer as the only explanation for their actions is vindictive punishment. 
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 2023-09-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-15
Company: EQUIFAX, INC.
State: GA
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:
In 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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-09-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I was billed {$210.00} by the XXXX XXXX XXXX, and later that month, they tried to bill me again. I went to the XXXX XXXX and showed them the bank statement, and they told me it should be taken care of. A month later, I started receiving letters from this collection agency saying that I owed them a ridiculous amount of money for that debt. I called them and told them the bill was paid in full at the clinic, but they continued to harass me with letters. Now they have impacted my credit report with this action and I have tried everything to fix this issue.

Company response to consumer: Closed with explanation