BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-19
Company: Southern Auto Finance Co
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I noticed that there were some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. See items listed below. 

Account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX phone # XXXX. 
Account number XXXX They are reporting 3 different current balances that are all different, as well as 3 Original balances that are total different, the opened dates are different, the last reported are all different, last payments are not the same or accurate. Charge offs should not have past due balances because they are late by default and all XXXX have past due balances. As well as each one of reporting that I owe a different past due amount. XXXX has 24 late payments attached to this account when there should be no late payments on charge accounts. This has impacted on other credit decisions I have applied for and have been denied. And continues to impact me negatively especially since I have not only the charge off but also each late payment that gets reported. This isn't just a reporting one error on their part this is numerous errors. This is inaccurate reporting therefore please remove this account from my credit report or update it to paid as agreed due to my FCRA right. I have been affected for a long time already due to this account. The law states that only accurate information is reported and published for consumers to see. Nothing that is reported from this company is accurate and they have violated my rights. Please send verification this account has been removed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: WELLS FARGO & COMPANY
State: PA
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:
Wells Fargo Home  Mortgage has reported incorrect unpaid principal balance which has made my score go down. The company reported an increase by {$1100.00} between  XXXX   XXXX ,    2017  and  XXXX   XXXX ,    2017  which is inaccurate. Please see the attachment of the correct unpaid principal balance during this time. I have attached document from   Wells Fargo site about my principal balance.
I hope im not apart of Wells Fargo   discriminated against  XXXX    XXXX  . Because this really make no sense to me as to why  Wells Fargo is   reporting incorrect balance to make my  credit score  go down.

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 2021-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I am submitting a complaint against Bank of America. This is regarding a XXXX XXXX and both my name and my husband 's name is on the account. 

I deposited XXXX checks simultaneously on XX/XX/XXXX, through online deposit. The majority of the checks since the account 's opening in begin XXXX have been deposited online. The XXXX checks were written by the same customer, and it was in exchange for painting services. The checks totalled {$10000.00}. 

The bank has decided to hold the checks for an investigation for XXXX  days, from XX/XX/XXXX to XX/XX/XXXX. This is the date that is reflected on the online banking. A representative I spoke with on the telephone on XX/XX/XXXX mentioned it could take up to 90 days. 

I called customer service twice on XX/XX/XXXX to talk about why the hold has been placed, and both times I had to wait about XXXX minutes before I was able to speak with somebody. The first customer representative I spoke with told me that he could not give any details about the hold. My husband went into the bank and was told the deposits were on hold for having a negative account balance. Online banking does not have a justification for the hold. 

The negative balance has been a direct result of hardships related to XXXX. The account currently has a negative balance of about - {$400.00}. In the past, it has gone down to about - {$2000.00}. The account experienced a negative balance only recently ( the past XXXXXXXX  months XXXX. Before that, the large majority of the time it had a positive balance. The negative balances have always been paid. The fees for the negative balances have always been paid. 

The account has never had a check deposited that resulted in it bouncing. Further, I have another account with Bank of America for over 15 years ; it has no history -- or if there exists a history it is very minimal -- of depositing checks that result in it bouncing. I have another business acount with Bank of America of about 3 years, also with no, or very minimal, history of depositing checks that result in it bouncing. 

We are running a XXXX, and we have XXXX  to pay. It is not only unreasonable to have to tell our workers to wait 11 days for their next paycheck, but it is embarassing. I can understand the investigation length if there was a history of bouncing checks ; but in this case, there is none. 

In a moment when the business is able to pull ahead of the XXXX hardships, I feel like Bank of America has pulled the business back and may potentially make the negative balance even worse. This is frustrating because we have the funds to cover upcoming costs -- we just can't access it.

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 2023-11-21
Company: Southern Financial Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Southern Financial System, a collection agency that is handling my account. 
The events in question are outlined below : Timeline of Events : - XX/XX/XXXX  : I received a summons to appear in court. This was the first and only attempt made by Southern Financial System to collect on my account.

XXXX XXXX, XXXX   : I learned that Southern Financial System received my account in XX/XX/, and it was held for six months without any attempts to collect. 

Violations and Concerns : 3. Fair Debt Collection Practices Act ( FDCPA ) Violation : The initial communication I received was a summons to appear in court, a direct violation of the FDCPA. 

4. Hospital 's Collection Procedure Violation : Southern Financial System 's actions also contravene the hospital 's collection procedure, which says attempts to collect in full or set up payment arrangements on the account. I was never given an opportunity to set up a payment arrangement. 

5. Lack of Collaborative Approach : It is evident that the primary focus of Southern Financial System appears to be pursuing legal judgments rather than working collaboratively with patients to resolve accounts. 

XXXX. Unprofessional Conduct of XXXX ( XXXX ) : During my attempts to address these issues with XXXX, the owner, I encountered extreme rudeness and unprofessional behavior. She refused to provide a copy of the collection policy when requested, declined to answer questions, hung up on me twice, and took over calls when others attempted to convey information about their attempts to collect on my account. Her response was dismissive, stating, " It does not matter because you owe it. ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TD BANK US HOLDING COMPANY
State: KS
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:
XXXX XXXX XXXX should only sell large Appliances through dealers and discontinue selling online. I purchased a XXXX XXXX online because it listed a {$400.00} discount. It was a total disaster. Later, I learned XXXX offered the same discount although they didnt advertised it. 

1. Defective Product. The large appliance was a refrigerator purchased online from XXXX. It was delivered by XXXX, a delivery and repair service for XXXX. XXXX made XXXX trips to my home and spent 3 months before the refrigerator was acceptable ( XX/XX/XXXX- XX/XX/XXXX ) : dented doors, wrong model doors, two right doors shipped together, etc. ). 

2. Incorrect Fee Charges. I accepted a deferred interest payment plan. I bank online and requested online statements ( see item 4 ). I set up all payments in XX/XX/XXXX, when the refrigerator was finally acceptable, of {$150.00} per month for 11 months and a final payment of {$110.00} on XX/XX/XXXX ( total {$1700.00} ). This equaled the total amount due on the shipping & billing document given to me by XXXX ( see documents 1 & 2 ). Apparently, I missed something as my account was charged {$290.00} on XX/XX/XXXX for deferred interest ( over 30 % average monthly outstanding? ). 

3. Bad Customer Service. XXXX banking partner, TD Retail, is impossible to communicate with. I have been working on a resolution for 3 months. I called XXXX and the automated attendant did not offer any option to speak with an individual. On the 3rd call, I tried using 0 for the operator and after a 20-minute wait, was successful in talking to a live person. That person instructed me to go to the web site onlineaccount.net '' and fill out a dispute form. I did that and filled in the form, sent it snail mail as requested and also emailed it to TD Retail ( see document 3 ). I have since dialed XXXX selecting 0 many times. Invariably I get the following results : a. Sorry, I dont have the authority to make adjustments or b : The line is dropped transferring the call to another person to assist me. Never any answers. 
4. Major Deficiencies in the Customer Service Portal. Getting the site to open is problematic. Sometimes anti-virus warns not to open the site and other times the system is down ( see document 4,5,6 ). Statements can not be rendered to the screen or downloaded ( document 7 ). An incomplete list of transactions can be rendered ( document 8 ). I have called concerning these problems, but those answering do not know how the system works and phone transfers to a knowledgeable staff invariably result in dropped calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit bureaus stated my account was properly investigated not once but three different times but how is this possible if there is inaccurate information across the bureaus, high balance reporting wrong, date opened wrong still showing credit limits on closed accounts, ect. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A section 2 states a consumer agency can not furnish a account without written instructions. I have sent multiple of disputes concerning this matter, and each dispute was a copy of my passport, driver 's licenses, social security card, and updated utility bill. Each response was please send proof of id letter just to keep stalling this process. It will be a copy of the last letter sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent this company 2 letters asking them to provide me with a contract or any documentation bearing my signature. Neither of the times did they provide me with a contract. I am unaware as stated to them regarding this account. I have never had an account with XXXX and I do n't know of any terms and conditions regarding this account. My credit report was updated stating this account meets FCRA requirements. I contacted the credit burea via phone and was told it was valid and I needed to contact the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Met with   XXXX   XXXX  at Bank of America in  XXXX , NC on   XXXX   for information regarding an auto loan for a lease buyout. I asked whether I should apply for credit in my wife 's name only or jointly and he advised since I am the primary earner to apply jointly.     On  XXXX , I applied for a joint loan and called into Customer Service to be told that a joint application would n't be valid to do a lease buyout for my wife 's lease since if my name was not on the original lease, I could n't be on the credit application.     A few hours later on  XXXX , we did an auto application in her name only and then were told that application would not be valid since her father originally co-signed with her on the lease and that both names needed to match exactly.     So now my credit has been pinged once and my wife 's credit has been pinged twice and we have approved loans that are not valid and unable to close for the transaction advertised, given terrible advise by several loan offices and customer service agents all along the way.     I was given bad / incomplete information by the original banker and th en 2  subsequent phone representatives in order to encourage me to apply for credit without remotely trying to identify what was in my and my wife 's best interest.     Additionally, the law / policy that is forcing names on a credit application to match exactly both signers of a lease seems unnecessarily burdensome to younger couples who are trying to transition assets and financial responsibilities into their own names and our of their parents names.

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 2023-12-15
Company: Uplift, Inc
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a personal loan account for XXXX XXXX purchase in XX/XX/2023. UpLift company is the lender. My payments were accurate and always on time. From XX/XX/2023 company blocked my online access, hindering me to pay off my balance. I called them for maikng phone payment, was denied assistance. They escalated my account to collection in retaliation due to my complaint-demands to fix my account online portal system glitches and/or accept my payment over the phone. I was denied communications, never got callbacks or replies to my emails. This lender committed serious banking laws violations, banking discrimination and predatory lending. Attached is a proof of what problems I faced and continue to face up to date. My credit score was crushed fraudulently. I need your help to enforce the laws and intervent in this problem. The Uplift company has lengthy history of violations and bad reviews by similarly victimized customers. Review the XXXX Website and online platform, to better understand teh magnitude of their violations. This Lender must be investigated and audited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Westlake Services, LLC
State: GA
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:
On XXXX, XXXX, XXXX I made a {$1600.00} down payment on a XXXX XXXX XXXX, I spoke with the representative of Westlake Financial Services in my loan interview and was told that the call was recorded. I was asked to confirm certain information and at the end of the telling me about my payment terms I was told Id have a 90 days warranty on my engine and transmission. 

A couple weeks after that date I had been trying to get this warranty activated since there an oil leak the very next day after I brought the vehicle home. I was told that an investigation would take place on XXXX, XXXX, and that it would take 48 hours before they got back with me about the warranty, however, they never confirmed or denied anything. 

I continued to call to speak with the warranty department and was eventually told there was nothing noted about my warranty on my accounted but no one bothered to pull up the recording where this was mention prior to me making my down payment. 

I recently spoke with a manager to let them know I plan to move forward with taking actions about the loan due to the vehicle having several mechanical issues. The manager advised that I move forward with my actions, as hed understand if he were in my position as well. He has indicated once I file the complaint we can see what we can do from there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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:
According to FCRA I have the Right to an accurate credit report. TransUnion is reporting an XXXX XXXX ( XXXX ) Account # XXXX as a charge-off. According to the I.R.S. a charge off is defined as gross ordinary income, income does not get reported on a consumer report. Under TransUnion XXXX is reporting this as debt in which I never received a 1099-c to file cancelation of debt. Account is in violation of 15 USC 1692e- False and misleading Representation. XXXX and XXXX both deleted the following account due to not being able to accurately VERIFY it after sending numerous XXXX certified documents to TransUnion it comes back verified. Under 15 USC 1681 and the FDCPA 15 USC 1692 they have violated my Rights to Privacy. And under 15 USC 1681b Permissible Purpose of Consumer Report, I NEVER gave any written consent to report anything on my consumer report.

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 2017-07-17
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have never opened/or knew about this credit card or I did not make a purchase of {$3300.00}.

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 2017-05-17
Company: Perfection Collection
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never received any written correspondence from Perfection Collection verifying the debt they say I owe. I am entitled to written verification of the debt, to include the original debtor, amount of the original debt and fees now assessed to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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:
My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-02-23
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To Whom It May Concern : Elan Financial Services closed my XXXX XXXX XXXX  card after receiving fraudulent information from a third party, without contacting me to confirm any of the provided information. 
I am in receipt of your correspondence dated XX/XX/2022, ref # XXXX. This correspondence is in response to my document dated XX/XX/2022, in regard to the closure of my XXXX XXXX XXXX XXXX XXXX Card account, ending in XXXX. I am hereby informing you that you have violated my consumer rights and under 15 US Code 1691E you are civilly liable. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1692 ( K ). Elan Financial Services/ Cardmember Services has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 4. 15 U.S Code 1681M ( b ) ( 1 ) 5. 15 U.S Code 1637 Enclosed you will find an invoice for the abovementioned violations, with instructions where to send payment. 
BEST, XXXX XXXX XXXX  Without prejudice, all natural inalienable rights reserved.

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