BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Notice to NAVY FEDERAL FINANCIAL GROUP that I'll be doing an audit of my account and checking the accounting. I'm submitting my completed form 3949a to the IRS to correct their securities fraud, Identity fraud, discrimination, and breach of contract. As well as filing my complaint and summons next week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
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 is not yours

Complaint:
I was checking my credit to make sure everything was ok before I went to the car dealership. I opened my XXXX report via the website and went through all the tabs. When I got to the debt collection tab it listed a debt of {$1500.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX. The collection agency is ARS ACCOUNT RESOLUTION in XXXX FLORIDA. This Is not my debt. I have a fraud alert, and a credit freeze on my credit. I don't know how this ended up on my credit. I did a XXXX search of the creditor name, and it appears to be a doctors office in Pennsylvania or Texas. I have never lived in either state. I am retired from the Military, and I get free medical care from the VA, and use XXXX. I have never had to pay anything that, and it is not mine. I called ARS, the collections agency and they stated they have no record of my name or ssn. How could this happen? This could ruin my credit. Please remove this ASAP!

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and upate these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 non-monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please take a look at the following items : 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  U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$830.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$810.00} DEPTEDXXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$460.00} XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

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 2023-01-14
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a auto loan with credit acceptance and they did not abide by the right laws of this loan its too much I couldnt no longer afford the loan and car had got repossessed, and then I found out that there were more fees attached to this loan than was told to me on paper

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 2023-01-31
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After being with the bank for 30 years Regions Bank sent me XXXX letters that all XXXX of my accounts will be closed on XX/XX/2023. I have XXXX personal and XXXX business accounts at Regions bank. 

There were no explanations and when I tried to call the numbers on the letter and talk to the bank representative in the branch, I was told that they do not have any information and that the department that sends these letter does not take phone calls and does not have anybody to communicate with. 

This does not make any sense. I do not understand how it is possible to treat people like this. 

I would like my accounts to stay as they are, and I would like to have an explanation why I have received such letters.

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 2021-03-11
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Not only did they add fees such as GAP ins and Vehicle Theft, I feel I was a victim of predator lending, as well. I made {$11.00} an hour and was given a {$21000.00} with a credit score in the XXXX low XXXX. They also made me pay an additional {$10.00} every time I made an online payment to them. They also, reported to the credit bureaus that I was late when I was not not late. They also charged me late fees when they they shouldnt have. I have defaulted several times on this loan. I have spoken to them multiple times regarding all of these issues, but they tell me I am not part of the AG lawsuit settlement and theres nothing I could do. I just now tried to log into my account to get my account number and a notification popped up stating my account has been locked due to to many failed attempts, but I only attempted the one time and havent logged in in weeks. They blocked me from viewing my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking account with Wells Fargo on XX/XX/XXXX. A transfer of {$25.00} for the opening deposit was initiated from my XXXX XXXX account. I closed the Wells Fargo account the same day. The {$25.00} were debited from my XXXX XXXX account, but according to Wells Fargo the funds were never deposited to my account there. Both banks refuse to help. I want my funds returned to me.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: TN
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:
Experian was informed multiple times that XXXXXXXX XXXX was reporting the wrong balances on my credit. After months XXXX finally admitted that they were reporting the wrong balance, and that they were charging me for money that was paid to them and money that was returned to the count per unauthorized charges with interest intact. 

The {$1400.00} XXXX has credited the account is a part of the inaccurate balance that they have been claiming was debt or credit to the credit bureau owed to them for months. 

When I asked XXXX to admit this to the credit bureau they came up with excuses and lies telling me that their inaccurate report did not matter and for me to have creditors call them to let them know they made a mistake if I needed a loan. They have been recorded telling me that what is written in the credit bureau does not matter. 

I began not to trust XXXX and have recording s of everything they said to me, which confirms the accuracy of all that has been stated.,. 

The damage XXXX XXXX  did could have been fixed early on if experian had properly disputed and researched the credit amounts that XXXX stated they issued, when they did not issue nor ask my permission to increase my credit line. XXXX XXXX  abused my trust. XXXX literally took money from my bank and claimed it was credit issued to me by XXXX then reported my money as debt to the credit Bureau, which is illegal and was never authorized by me.

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 2023-10-09
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2019-10-04
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent Experian a written dispute of the collection record reported since XX/XX/2019 by XXXX XXXX XXXX and informed Experian, XXXX XXXX XXXX did not adhere to their responsibilties under the FDCPA to send me an initial letter informing me of my right to dispute the debt and have it validated by the original creditor XXXX XXXX Just after XX/XX/2019 I got the results of Experians investigation. Despite my notifying them of XXXX  XXXX  XXXX failure to meet their FDCPA statutory requirements, Experian did not remove the XXXX XXXX  XXXX Collection record but in so many words said it was a valid debt and " consumer disagrees '' and updated the item no less. 
About the same time the response from XXXX  XXXX XXXX to my previous complaint against them came back and XXXX   XXXX  XXXX said they did send an initial letter to the address from which I was evicted on XXXX XXXX, XXXX, AZ and that I should contact the post office. 
I contacted Experian to inform them of this information, and that the collection record is unlawful and inaccurate and must be removed. They refused continuing to assert the information was accurate and correct. 
Experian is allowing XXXX XXXX XXXX to not even indicate the debt is disputed, nor did they require it be removed until the validity of the debt be determined and all the specifics ( i.e. balance etc ) verified. 
as stated. 

" According to National Consumer Law Center ( NCLC ) staff  attorney XXXX XXXX, if a consumer says they didnt get the initial notice, and the debt collector can show they likely mailed it in the course of their normal business, the burden of proof may be on the consumer to establish that the initial notice was not sent to the right address. But if the debt collector sent it to the wrong address and was returned to the collector as undeliverable to the consumer, then theres a good chance the collector did not fulfill the requirements of the law if it didnt update the address and deliver the notice as required. Even if the letter is not returned, the debt collector may not have complied with the FDCPA if the letter is mailed to the wrong address, especially if the individual never lived at that address or hasnt lived there for years, she said by email. '' As of the date of this compliant, I have STILL yet to have had any contact from 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 2023-11-01
Company: General Motors Financial Company, Inc.
State: NY
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:
My credit report is showing late payments to XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. These inaccurate items are not only embarrassing ; they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. Also, I'm the XXXX filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. It is with great concern that I insist you verify that this information is incorrect and update and repair it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
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 U.S.C 1681. ACCT Name : 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 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 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 2019-10-04
Company: RENASANT CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Tuesday evening XX/XX/XXXX my checking account had a balance of XXXX dollars. There were no pending transactions. I was unable To login to my account Wednesday morning for XXXX-XXXX to check my balance. Around XXXX XXXX I checked it and my balance was negative XXXX .... I immediately transferred money via instant deposit via my XXXX account for XXXX which brought my balance back to a positive status ... later that afternoon I checked it again and after making that deposit they proceeded to return two ach transactions and charged me two return fees of XXXX dollars. Those two transactions never had a pending status they were posted as if they were checks written when in fact they were ach withdrawals for payments done online.. both were under 30 dollars. Every other ach payment made will process as pending and then completed .. these two just popped up On XXXX as being posted on XXXX. As stated as soon as I was able to transfer money over o did but they returned them anyway and charged me XXXX x2. That is no way to handle your customers account .. it makes a difficult situation just that much harder and I dont appreciate the way they manipulate they system to benefit them. U cant deposit money in a local branch atm it doesnt get applied to your account for two days.. the only way to deposit money is instantly like I did and they still sent back those payments despite the fact it had been covered. I want the return fees credited back. I will be changing banks. I cant win for losing with them and have had enough of them taking my Money amd taking advantage.

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 monetary relief
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: CA
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:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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 2023-05-26
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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