BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In 2021 I filed a report stating my social security was used to obtain XXXX XXXX as well credit card fraud. unbeknownst to me at the time I received a collections on my credit report. I then immediately filed a FTC report as well as other alerts to stop any further fraudulent activities as instructed by my cities police department. Not long after this these accounts were removed. I recently checked my credit report on all XXXX major credit reporting agencies and see that only on XXXX do I have a negative report for this account. I am upset and very confused as to why after I have healed from the crimes committed against me this now reappearing on my account brings back all the feelings I had when dealing with this circumstance in the past. If I can not find remedy for this account soon I will take the next step because of emotional anguish this is causing because of the negligence of the collection agency in not doing proper investigations and protocol. Also according to XXXX XXXX Code XXXX ( XXXX ) ( b ) Obligations With Respect To Disclosures Of Personal Information states any Authorization or Approval of a specific extension of credit directly or indirectly by the issuer of a " Credit Card '' or similar devise needs to be excluded from a credit report. And the LAWFUL definition for " Credit Card '' is any card, coupon book, or other credit devise existing for the purpose of obtaining money, property, labor, or services on credit. In this case my social security number being used illegally/Fraudulently as a credit card to obtain labor and services on credit. Again I demand this account be deleted at once.

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 2023-03-02
Company: Exeter Finance Corp.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I XXXX XXXX are exercising my Right to Rescission 15 U.S. Code 1635 1026.23 for SIMPLE INTEREST VEHICLE CONTRACT FOR SALE AND SECURITY AGREEMENT & VEHICLE RETAIL INSTALLMENT CONTRACT AND SECURITY AGREEMENT established on XX/XX/XXXX, with EXTER FINANCE CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I am not liable for the debt amount acquired due to this was not a Credit Consumer Transaction under 15 U.S. Code 1605 - Determination of finance charge. This information was not disclosed to me at time of sale or business.

2.

3.

My finance charge with connections to my consumer credit transaction was not the sum of all charges as provided in 15 U.S.C. 1605 section A. ( 15 U.S. Code 1640 - Civil liability, section A ) any creditor who fails to comply with any requirement imposed under this part, in
cluding any requirement under section 1635 of this title, subsection V 15 U.S.C. 81605 part A-F 15 U.S.C. 8 ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 
XX/XX/XXXX, I was charged Emission inspection fee {$35.00}, Documentary fees {$490.00}, Taxable selling price {$8500.00}, sales tax {$710.00}, Title Fee {$29.00}, First Centennial Warranty Insurance {$2100.00}, GAP {$380.00}, Trade in Allowance {$500.00}, Trade in sales tax credit {$41.00}, Deposit/partial payment {$3000.00}. I paid in cash & with debit card. These charges are considered a criminal act on behalf of the creditor against obligor and were to be covered under the Finance Charge.

15 U.S.C. 8 1605-part A - F, 15 U.S.C. 8 1601-1667f, Tillman Act of 1907 ; Were violated by Exter Finance Corp & EXTER FINANCE CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, as highlighted in yellow on attached contract documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Continental Finance Company, LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received an email notification from XXXX XXXX regarding a credit card that is past due. I reviewed the information on my credit report. A credit card was opened on XX/XX/XXXX with a limit of {$300.00}. This account is past due for an amount of {$430.00}. This is identity theft. I did not apply for this card. The card is a XXXX XXXX. The creditor is Continental FIN CO XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX Customer service XXXX Fraud line I spoke to someone in the fraud dept. I let them know I did not apply for this card and that this is identity theft. Information was documented. 

Today, XX/XX/XXXX at XXXX. I received a call from a collection agency representing this company trying to collect debt. I notified the rep that this is fraud. The rep was able to see in the system that yesterday XX/XX/XXXX someone called impersonating me and filling for a lost card. I asked them to please report this as identity theft. More information was taken and I was advised to file this complaint. The representative was able to confirm that an address in XXXX XXXX, Flordia is where the bill is being sent. I have never lived in XXXX XXXX, Flordia.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I booked a Hawaii flight early XX/XX/2022 and while in the reservation, XXXX XXXX XXXX offer came up, if you apply for the card while buying the ticket, {$300.00} would be taken off the price of the ticket. I applied but the application needed underwriter approval so it did not give an immediate approval. Had to book the flight in the meantime and paid with my own card. A few days later I checked the application status and showed I was approved. I called XXXXXXXX XXXX and Barclays and explained what happened at the time of application to see if they can switch the card so I can get the credit. XXXX XXXX said they can't do it but to call Barclays, they should be able to. Barclays said XXXX XXXX should do it so I was transferred a total of XXXX times between departments with nobody being able to help. I finally was transferred to the XXXX department at Barclays and explained the situation yet again and the person stated Barclays could not make the switch to get the credit as advertised by their application. At that time frustrated, I asked the person to cancel the card all together since it was only a few days after I applied. 
I flew to HI mid XXXX and on the flight, the flight attendant had a Hawaiian application that offered XXXX miles after any first purchase, different offer than the {$300.00} credit. Filled out the app and mailed it on XX/XX/2022. Today I called XXXX to see status and found out I was declined because I voluntarily cancelled the first card since I was told I could not get the {$300.00} credit. They have also stated I can not apply again for XXXX months. 
In today 's conversation, Barclays employee XXXX id XXXX stated that the first {$300.00} credit would have been applied to my first statement. That was never communicated to me when I spoke with XXXX XXXX department person that cancelled my card. Today, XXXX stated he asked for a resolution from his supervisor XXXX id XXXX and he stated there isn't one.

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 2022-01-08
Company: Upstart Holdings, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I signed for a loan with upstart loan and never received the {$10000.00}. Now I have a pending monthly payment of {$280.00} is due next month. I reached out to the company no answer or contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have three inquiries that are not mine and I would like to remove them this is inaccurate. 
XXXX ( XXXX  ), XXXX XXXX XXXX XXXXXXXX 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 2022-03-28
Company: T.S. Holdings
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
IQ Data has ignored multiple requests for records concerning an alleged debt they are attempting to collect from XXXX for their client XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are reporting this derogatory account on my credit report and have verified it with the credit bureaus even after I submitted a dispute. there is no verification for this account. Federal law requires that it be immediately removed and blocked from reinsertion. IQ Data continues to violate the FCRA and FDCPA .They need to be held accountable. l am incurring damages as a direct result of their illegal business practices. I have done my due diligence to rectify it. I may need to pursue legal action if this matter is not resolved now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: BARCLAYS BANK DELAWARE
State: MD
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:
I also respectfully request the Barclays US provide specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time of is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws Also, the account was closed due to XXXX no longer using them as a credit card company to XXXX XXXX, the company also is not allowing to access my account online or info about the account because I do not have an active card with them to provide the account number

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 2023-07-21
Company: Experian Information Solutions Inc.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Accounts : XXXX XXXX, XXXX, XXXX XXXX  and 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. 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 non-monetary relief
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THE FOLLOWING LETTER WAS MAILED TO EQUIFAX AS TO MY REPLY TO THEIR LETTER Confirmation # XXXX Dated XX/XX/20. 

THE COMPLETE RESPONSE BY XXXX XXXX XXXX IS UPLOADED AS TO EQUIFAX 'S LETTER Confirmation # XXXX Dated XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my personal information was used without my permission to open fraudulent bank accounts and bank inquiries. I have contacted the consumer financial protection bureau, police department, and consumer banking reporting agencies XXXX XXXX XXXX XXXX XXXX and Clarity Services to notify them of the unauthorized activity that needs to removed per federal law FCRA 609. 

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 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 2022-08-17
Company: Paypal Holdings, Inc
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received an email from " Bill Department of PayPal '' noting that 3 {$200.00} XXXX XXXXXXXX XXXX had been purchased and were to be delivered to XXXX. At the bottom was the note : " There is evidence that your PayPal account has been accessed unlawfully. '' I could call XXXX ( XXXX ) XXXX for assistance. I did that. It took several tries but I reached someone called " XXXX XXXX '' who was obviously off shore. He wanted me to use bhelps.us on XXXX which would not load. After several tries I was able to download a bank which he promised would allow me to indicate where the {$600.00} could be returned. He instructed me to open an on-line account with the bank. I did not because at that time it was clear that what he wanted me to do was to open that not to return the funds but to get access to the funds. He told me that my ID had been compromised using the name of XXXX XXXX  in XXXX, who by the way is an architect. 

I did not make the purchase and if I had it would have been by credit card and wanted him to cancel the purchase. He became agitated saying I would not get my {$600.00} back unless I opened up my account. We do not use any electronic banking. He said that our early 45 minute call was being recorded for the FBI and the FTC, no I did not believe that. 

When he got to the bank issue I hung up. I contacted XXXX who does daily monitoring of my information. The person I spoke to said that this was not the first he had heard of using PayPal ; others included XXXX and XXXX. I checked with my banks and there were no withdrawals or deposits of the {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I made a large deposit after a property sold to Wells Fargo. I made the deposit at a local branch and was told by the head teller there to wait a day and the check should clear. I was also told I should have no issue moving the money to other accounts. The following morning, XX/XX/XXXX, the funds were listed as cleared and available in my account. Around noon that day, I started making transfers to my other investment accounts, such as my children 's college funds and putting money to my mortgage. A couple of hours later, I receive an email from Wells Fargo, saying I am overdrawn. Wells Fargo had reversed the deposit without me being present or notified and placed a hold on my deposit until XXXX after I started transferring money out, leaving me overdrawn by $ XXXX. I had to scramble to try and cancel transfers and stop payments. The branch told me to call the 1800 number to see if they can lift the hold early and the call center said only a branch can do it. At XXXX on XX/XX/XXXX, they finally notified me of the deposit hold by an alert to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Williams & Fudge, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A collector from Williams & Fudge by the name of XXXX XXXX calling most recently from the number XXXX XXXX XXXX XXXX has repeatedly called my phone with nonsense tactics including asking questions and then attempting to formulate answers prior to giving me time to respond or constantly interrupting me while I am attempting to respond. Additionally, I have told this collector on multiple occasions that I work XXXX - XXXX overnights please to not call in the in the morning hours as I am sleeping which is when he consistently calls. I have spoken with him about his nonsense tactics and stated that I would like transcripts and/or recordings of the calls that are recorded ; once he said he would work on that and then the most recent call he said there is no way that is going to happen. I informed him that if he is unwilling to provide those which he undoubtedly knows will prove his harassing and wildly unconventional techniques not to bother calling me. I will not deal with this collection agency while they continue to refuse professional courtesies and until I receive copies of the recordings they have which will be used to prove their antics and violations of section 806 of the Fair Debt Collection Practices Act. Any assistance you can provide in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
My investigation has been going on for 30 days now and I still don't have investigation results. According to the fair credit act this is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX ; Experian and XXXX are reporting incorrectly late for XX/XX/XXXX on the XXXX   XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) The vehicle is paid off and the XX/XX/XXXX late that is being reported is false. I was even told I would be charged a late fee. Please keep in mind it would be impossible to be late and/or be charged a late fee on an account that is paid off. I called and the representative that I spoke with admitted that this was their mistake and that the late fee would be waived and the late reporting on my credit report for XX/XX/XXXX would be removed. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this late of XX/XX/XXXX however, I have been unsuccessful.

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 2023-01-24
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account was locked and I had to go in to show ID. No big deal. 

I went to the branch at : XXXX XXXX XXXX, XXXX XXXX, NC XXXX The clerk XXXX tells me I'm good to go, I go home and check my account and I'm still locked. Call customer service and they call the branch as they see no notes about my ID being verified. Branch tells them I came in for a withdrawal and mentioned nothing about my account being locked. I insist this is false so they call the branch back with me on hold, speak to the associate again who tells them that yes she verified my ID but did not make a notation or unlock my account and hangs up. Customer service attempts to have the fraud department unlock me but they insist it must be done by the branch. Customer service calls the branch and the associate hung up on her twice. Finally customer service transferred me directly to the associate at the branch who said she was unlocking my account. 

As of my writing a 2 hours later, my account remains locked.

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