BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 n accordance with the Fair Credit Reporting act XXXX  Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Avid Acceptance, LLC
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband and I purchased a XXXX in XXXX right after filling bankruptcy. The financial institution that financed the auto loan was Avid Acceptance out of Utah. We made every months payment on the vehicle for almost a year. My only brother was murdered in XXXX and I had to pay for his funeral costs etc. So the vehicle was repossessed and sold at auction for an undisclosed amount. I never received any documentation with the auction amount Avid Acceptance received for the vehicle. Avid Acceptance is currently on all XXXX credit bureaus for my husband and I. Avid Acceptance has applied numerous fees to the balance since XXXX. One charge that's applied every month since the vehicle was repossessed in XXXX includes {$540.00} dollars which was the vehicle payment. The vehicle was repossessed and sold at auction and even after they sold the vehicle, they continue to add a monthly charge of {$540.00} for non payment of auto loan. How can we still owe a monthly payment on a vehicle that was sold at auction in XXXX. The balance is almost {$30000.00} dollars because of these charges and fees. They have and continue to update every month to all XXXX major credit bureaus for my husband and I for the past 6 years. I have requested numerous times for documentation. I have disputed this item with each credit bureau each month, and without fail the item doesn't get removed and the balance continues to increase. Im not sure what to do at this point. I know by law the financial institution has to provide us with a letter of the amount the vehicle was sold for at auction and they didn't do that either. I hope someone can help us. Thank you for your time.

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 2020-12-18
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I opened an HELOC account with US bank that has currently XXXX balance. When I opened the account Banker told me if you do not carry any balance on this account you can close the account anytime without any penalty. I talked to couple of times already and paid a small amount they charged to my account ( as annual fees of $ XXXX which was also not told by the banker when I opened the account ). After I paid the account asked them to close the account and they promised me account is closed. They repeatly told me your HELOC account will be closed, nothing to worry as you ahev now XXXX balance on your account. I thought the account has been closed as promised. 

I tried to refinance my mortgage through another lender ( XXXX XXXX ) and during closing cost dsclosure document they have an item US Bank {$400.00}, I got surprised after seeing this. 

Called US bank again and I was told if you close the HELOC within 3 years of opening the account you have to pay {$400.00} of penalty. This was also not disclosed by the banker during opening of the account. 

These are the deceptive practices US bank is using to extract money from customers. Please take action against the banks who are involved in such deceptive practices. This is really bad for consumers, even though we do not owe any money to bank, they are penalising customers unnecessarily by using these kind of deceptive practices. 

They told me these are the agreement I signed. Bankers need to disclose all these information that is on the contract during opening of the account to consumers. This was not done in my case.

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 2023-09-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
About 4 months ago I sent notifications to the bureaus that I needed them to investigate something on my credit report. They have only sent me the same letter 3 TIMES IN A ROW claiming that they believe that I am not the one requesting the information which is a lazy excuse for them not to do their job since from the first time I did what they indicate on their websites that We must attach proof of identification, I think they are only delaying the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The car dealership charged me for a insurance that was supposed to be peyed back from Wells Fargo at the end of final payment never got any thing at all except a big run a round I'd like to get the money owed to me back

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 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My identity was used by someone else to open a fraudulent account. This has resulted in the following : XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX I am seeking to have the fraudulent information above removed from my credit reports. I have reached out to the bureaus documentation supporting my claims but the credit bureaus are still reporting the above items.

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 2023-11-08
Company: JPMORGAN CHASE & CO.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023, I received in a payment from a client ( a medical college in my state that is very well known ) for work performed. Before depositing the check into my account with Chase, I asked about hole policies since the bank that it was drawn on is a local bank and the check and its amount could be easily verified and/or I could cash it if there would be a continuous hold on the funds. I was told by not XXXX, but XXXX individuals with my account at Chase that there would be a hold for the amount but a simple call to customer service would release this hold because it could be verified because its drawn on a well-known bank. I was not concerned with the entire amount of the check being available, but rather that enough of the funds were released for me to pay my mortgage payment to avoid foreclosure. Following the instructions I was provided, I contacted customer service as directed and was told that the check was already verified, and that the full amount of the check would be available to me on XX/XX/2023 and that my pending transactions for my mortgage payment would be cleared ; not returned. On today, XX/XX/2023, I checked my account which showed that the hold was not released and that the transaction for my mortgage payment was returned. When I contacted customer service and told them that I clearly was not told correct information by not only XXXX, but XXXX individuals, they could only apologize and proceeded to provide me with a telephone number for a holds department ( which was not provided on the previous day. ) When I spoke to the young lady in the holds department and asked her to call the other institution to confirm the funds and the check, she told me that they in fact do NOT do this and then proceeded to tell me that I would be responsible for all returned item fees. Chase is getting away with murder because I was told incorrect things by not only XXXX, but XXXX individuals who told me that the hold could be released. I also feel as if I was misled because I could have simply cashed this check on the written bank and not had any issues. Is it because XXXX XXXX? Maybe. Because they literally put the entire amount on hold and didnt even attempt to call the bank it was written on to confirm it. In addition, the woman from the holds department tried to tell me how the system works for cashing checks as if I was ignorant, when little did she know that my family has a history in banking including writing check hold rules and operations for the same bank the check was written on as former VPs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
I received a copy of my credit report and noticed a company I had no dealing with. This company XXXX XXXX XXXX - XXXX - I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Please delete this account immediately

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 2021-01-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent out a request for verification on several accounts. It has now been over 60 days since that request, and no response has been received for all to the listed accounts

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 2023-10-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX of XXXX, I contacted a company named XXXX XXXX XXXX to purchase snap on veneers through there online sales process. After agreeing to have veneers produced, I submitted two payments on two separate days totalling approximately {$1500.00}. The company had me in a cycle of creating impressions then rejecting my impressions. This went on continuously after which time I decided to discontinue process and request refund ; the company declined my request, citing Texas refund laws. However, after researching the Texas statute, this is what I came up with : Sec. 345.066. BUYER 'S RIGHT TO RESCIND CONTRACT. Until a retail seller complies with Section 345.065, a retail buyer who has not received delivery of the goods or services is entitled to : ( 1 ) rescind the contract ; ( 2 ) receive a refund of all payments made under or in contemplation of the contract ; After being denied a refund, I then notified my bank and filed a dispute in XXXX of XXXX. After some time, my bank decided in XXXX XXXX XXXX XXXX favor, thus ending my dispute claim against them. In accordance with the preceding law, I am entitled to a refund. I attempted to reopen dispute with my bank with new evidence but they declined to reopen. Please assist me with this matter as I am an unemployed XXXX XXXXXXXX veteran with limited income nowadays. Thank you. 

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 2023-10-11
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX credit card company, offered and offers a credit protection program, in the event, of loss of job, death, military diploment, and or suffer from a XXXX which results in permanent XXXX. 

Between the dates of XXXX, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that took time to finally diagnoses. Finally, in between the aftermath of covid, I was XXXX  and officially diagnosed XX/XX/. I am currently XXXX. and they are now sending a third party not the original creditor, but the third party randomly showed up at my door unannounced to say they have filed a judgement against me in my local county. Never was I informed or made aware, and due to my XXXX XXXX have not had the chance to provide the oriognal creditor XXXX with the information they need to process for my XXXX as the reason for late payments. I paid a fee monthly in addition to the normal payments for this special program they advertised that would help take care of any balances in the event of any of the above unforeseen circumstances. but, instead of them honoring this, they have now sent people to my home and threatening a law suit by an unknown third party to which I don't know and now unsure of what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Nationwide Credit & Collection, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The amount is {$140.00} from XXXX XXXX and I disputed this debt because I have no recollection of ever owing this amount but finally I gave up and also lost the dispute and wanted to just pay the {$140.00} so it would no longer appear on my credit score but when I attempted to contact Nationwide it says the phone number has been disconnected so how am I supposed to resolve this issue its not that much money Im fine paying it and removing it from my credit report but now I am just stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
WestLake Financial Services They call and call when you are late making a payment. And they always XXXX their money and ask why you are late making it this month. and they get up in your personal finance issues that you are having and they do not respect the customers at all. They raised their voice at you and tell you that you are past due and that they want their money. They try forcing you into online where they take the money out of your 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 2023-11-08
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
To whom it may concern.. 

My complaint is both with American Express and a merchant called XXXX. 

Situation : On XX/XX/XXXX I booked a flight on a website called eDreams with XXXX airlines. The flight was scheduled to take off on XX/XX/XXXX from XXXX to XXXX. On XX/XX/XXXX, my XXXX  and I showed up at the proper airport to board our flight and the airlines said they had no record of our tickets and the confirmation that XXXX sent us was not in their system. The airlines checked the records with our names/passports and said there is no record of any flight. 

I reached out to XXXX for a refund stating the issue and XXXX said that it was a valid charge since they sent a confirmation email. When we asked them to give us a record of the ticket, they could not produce it and requested us to ask for a refund from the airline. We've reached out to the airline and they don't have any record of our ticket so they aren't able to provide a refund for a ticket that was never issued. 

I disputed this charge with American Express 3 times with no resolution. The first denial came when they said XXXX provided a confirmation of the purchase. I re-disputed the charge and American Express agreed that they would cancel the charge if they could find a copy of the ticket. They just responded to deny the dispute with the reasoning that they had found a copy of the ticket. However, the copy of the ticket was for a flight that I purchased directly with the airlines on XX/XX/XXXX. 

American Express nor XXXX can provide a copy of the ticket and I have proof from the airlines that there is no record of my ticket. Yet, both American Express and XXXX state that this is a vaild charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My Bank of America account was hacked through XXXX. On seven occasions XXXX2020 and XXXX/XXXX/2020 unauthorized withdrawals were stolen from my account via XXXX for a sum of {$1000.00}. The Bank is doing the investigation and has up to 45 days to complete meanwhile my money is tied up. The bank won't replace the money that was already in the account before it went to a negative balance until the investigation is over. Aren't they insured by the FDIC? Why won't they replace the money that was already in the account immediately after I informed them that I was scammed? I also didn't have overdraft protection on my checking account, and yet the bank allowed my account go into a negative balance. I first noticed this scam on XXXX/XXXX/2020. I have since filed claims with both XXXX and Bank of America. They are still trying to use my information to open up banks, cash card accounts, etc.

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 2023-11-08
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
My identity was stolen- my car was broken into and my wallet that contain my ssn and id was stolen. almost a year later two credit cards was open and started being reported as charge off to CRA. The original creditors are Comenity bank. I disputed the account with the original creditor and the CRAs multiple time. I made them aware that this account was open with out my consent and I provided the identity theft report filed with the FTC. Both accounts are being reported as charge account and one account was sold to XXXX XXXX XXXX and now being reported as a collection. I file a dispute requesting validation and did not receive any proof that the account was mine. The name and address on the account is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There are 3 unauthorized inquires reporting to my TransUnion report. These are lenders that I did NOT submit a request for any lines of credit. The lenders are XXXX XXXX XXXX XXXX and XXXXXX/XX/XXXX. I contacted TransUnion on XX/XX/2021 in regards to this matter and was told to contact the creditor/lender directly to verify. Each lender has informed me that no accounts exist or lines of credit have been issued under my social however, there was an application submitted that resulted in the inquiry. TransUnion is not working proactively to resolve this matter even with the lenders confirming that I have no active accounts.

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 2021-01-12
Company: ENCORE CAPITAL GROUP INC.
State: AL
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:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with explanation