BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert on my credit report of a new derogatory change. I found out what the debt was and contacted the company and learned that there was a last bill in which I owed. I paid the bill and was advised to alert the collection company which I did. The collection company claimed they sent me 2 notices which I did mot receive and I advised the debt was paid with the original creditor and provided the confirmation number as well. They refuse to remove the negative information from my credit report. I do mot think this is fair treatment because I was not properly notified and I paid the debt immediately with the company I owed when I learned of the issue. The representative that I spoke to said they did not have to notify me and this its a courtesy to do so and quoted laws. When I googled the company I read many complaints and saw that they appear to have a properly notification issue and do not practice the best standards on relationship to the collection industry. This is an extremely hurtful, stressful, and quality of life impact on me. I guard my credit and take it very seriously which is why I have alerts set up and I pay my bills. Had I know of this issue prior to now it would have been handled. Being that the debt was paid in full I feel that this should mot be on my report and I would like their practices fully investigated as they appear to not do things accurately in connection to the FCRA. This company is Southwest Credit Systems LP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Just by creating an account I was automatically subscribed and billed to a {$19.00} fee for a useless service.

These are the steps shown on the screen during account creation. There is no mentioning of a fee or any order button at any point in time.

Step 1 Tell us about yourself Step 2 Create your account Step 3 Verify your identity I tried to get help from the customer service and they said they can't help me with a refund. 

Here is the link to the form : 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 2022-08-09
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX, XXXXXXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax Employer : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OF XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I deposited {$1500.00} cash in my checking account after leaving checked my app money was there. The next day XX/XX/2023 that deposit was nowhere to be found. Called Wells Fargo was told technical difficulty that was 10 am. At 3pm I went to bank and they told me the XXXX XXXX difficulties. To call XXXX number on my card. NO ANSWER ON WHEN AND IF IT WILL BE RESOLVED. Said come back tomorrow to speak with mgr.

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 2019-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have a U.S Bankruptcy Court that is reporting on my credit report. I have reached out to all 3 Credit Bureaus on XX/XX/18, XX/XX/18 and XX/XX/2018. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. XXXX has yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. Also when asking how they are getting the information. I receive a response that they are getting the information from XXXX XXXX. When I contacted XXXX XXXX they stated that they got the information from XXXX. I am getting furious with going back and forth between XXXX  and XXXX XXXX. This inaccurate information is hindering me from getting a home loan. 

Under the FCRA, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and or judgement all accounts ad public records hat you post o anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account 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 2017-09-19
Company: WELLS FARGO & COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I had to finance a broken A/C in the summer of XXXX using a Wells Fargo XXXX XXXX card. At the time I setup the card, I elected for paperless billing which in this case, involved the bank posting a PDF of the bill on their website. I also setup online bill pay to pay the minimum amount with a plan to pay off the card before the interest free promotional period. I made an error in my calculations and did not attempt to pay the balance until XX/XX/XXXX, as it turns out, a little over a month from when the period expired on XX/XX/XXXX. I was charged the interest for the promotional period. I contacted the bank on XX/XX/XXXX to see if they could remove the interest as their paperless billing option obfuscated the warnings for the promotional period running out ( they print it on the back page of the bill they post online ). While I acknowledge my responsibility to understand my terms, I think Wells Fargo hides the appropriate 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 2021-06-04
Company: CHECK INTO CASH INC.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I took out a title loan with Check into Cash on XX/XX/XXXX. Since then, they have been contacting me excessively, even throughout the pandemic. They call me everyday and send me texts messages often. The last text message was sent yesterday, XXXX. They have also sent me emails starting on XX/XX/XXXX. The last email was sent Friday XX/XX/XXXX and they stated that I owe {$4500.00} which is a violation of 15 USC 1692. They also told me a different amount of around {$3500.00} when I spoke to them over the phone. I've sent a debt validation letter, cease and desist, and affidavit of truth, along with an invoice for the violations listed in the affidavit via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Credit Collection Services in XX/XX/XXXX saying I had an outstanding debt with XXXX. 

I called to find out information for the debt as I had no record of an outstanding debt to XXXX, a company I made several payments to in XXXX. And I had no record from my medical providers of ordered XXXX testing that was my requirement to pay. Therefore I requested validation of debt. 

Credit Collection Services ( CCS ) did not provide any information on the validation process. They did not provide me with the proper information that would allow me to make an informed decision as a consumer with regards to what the validation process does to your account, how CCS will contact you, the expected ETA of the debt validation process. 

I did not received any additional document from CCS until XX/XX/XXXX. Partly impacted by significant delays with USPS, I did not know to expect the letter, that it had been sent out or how the document would appear. What I received was a red and white lined document with random codes that I called both XXXX ( the medical provider XXXX and XXXX to attempt to verify and could not. There was no official documentation from CCS confirming that this document served as the debt validation and what would happen to my account or payment options. 

I paid the debt at the beginning of XX/XX/XXXX and CCS is now claiming they do not delete their collection record from credit reports, though they have not be clear on whether it is because of how I paid or because they don't offer deletions to any consumer or because the originating debt or does not offer it. 

I still have no record from my medical provider of how these XXXX test originated and simply paid to avoid impact on my credit report though the collection is now showing on my report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2017, I had my wages garnished unfairly by Pressler & Pressler for a debt that resulted due to identity theft for {$2000.00}. Theyre very nasty people & theyre sneaky people. I went through financial hardship & I was at risk for being homeless & I was struggling to pay my other bills. They didnt care about that. Watch out for Pressler & Pressler, they have a reputation of being scum bags just look at all of the complaints against them. Im trying to do everything to recover the stolen money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Interstate Credit Control
State: ND
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:
Last year I was the victim of Identity Theft due to a burglary that occured. My laptop was stolen with all my personal identifying information being compromised. I told all banks when this occurred. I also informed XXXX of this and each of the other 2 Credit Bureaus. I've informed The FTC. I've made several complaints to the CFPB this year. I filed a report with the local Police Dept. I've disputed this again and again and nothing is being done. I signed up for their " Identity Protection '' program that is {$24.00} a month for the last " XXXX '' months. XXXX has absolutely done nothing whatsoever to get the fraudulent information off my report. I still see these fraudulent accounts on my consumer credit file. Nobody has verbally asked my permission to provide ANY of my information as I have instructed XXXX to do. I've had my bank accounts compromised. They did not properly do an actual investigation as the FCRA states they have to by law. XXXX has violated my rights as a consumer again and again according to 15 USC 1692 ( b ) ( 2 ), 15 USC 1692 ( b ), and 15 USC 1692 ( d ) for the last 13 months. I've tried to be reasonable and give them every opportunity to resolve this issue. I shouldn't have to continuously have to have my rights as a consumer violated by a company so I have no other choice but to seek damages in court for every violation and for damages because of their blatant disregard for the laws that they should abide by. I wanted to be sure that I properly notified this Department of their incompetence once again as I have several times this year. Rental Research Inc, XXXX XXXX are included in this as well and made the same violations against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: EQUIFAX, INC.
State: IN
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have an open account with citizen, I I believe that I may have been late for a payment. However I lost my job due to cove-19 pandemic and have recently started a new one. I continually am catching up. How ever I did request to citizen that the payments not be marked as late as I am paying as quickly as the funds become available to me. In addition XXXX is marked 30 days late and XXXX payment are not due until til XX/XX/XXXX. This is completely unacceptable and Id like it to be resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have several student loans with XXXX XXXX exceeding {$150000.00} balance overall. I have an income based repayment plan that doesnt even cover the accrued interest each month, so my balance increases. Each time my balance increases, my credit score plummets even though my payments are made on time and my account is in good standing. The parties in this issue are Transunion, XXXX, and XXXX  XXXX XXXX. I cant have my score continue to plummet for no reason other than increased student loan balance.

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 2019-11-15
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I purchased a home XX/XX/2019 ; during the process my credit was pulled and it reflect a collection account with Diversified management for a XXXX account that I had ALREADY sent to XXXX advising account was fraud also requesting information or proof that I opened the account which to date I have yet to receive. I was forced to pay the account against my will in order to close on my home. I was advice by a manager at diverisified that the account was identified as fraud and would be deleted from my account. This is not month 5 and this fraudulent account is still reporting on my credit report. I have never had sprint ever I am requesting that they delete this account from my credit report as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I recently attempted to check my credit report. It can not be accessed.

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 2021-06-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: LEXISNEXIS
State: MO
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 have a U.S Bankruptcy Courts that is reporting on my credit report. I have reached out to XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. XXXX has yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of  release bearing my signature. Also when asking how they are getting the information. I receive a response that they are getting the information from Lexis Nexis. When I contacted Lexis Nexis they stated that they got the information from XXXX. I am getting furious with going back and forth between XXXX   and Lexis Nexis. This inaccurate information is hindering me from getting a home loan. 

Under the FCRA, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and or judgement all accounts ad public records hat you post o anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX//23 I contacted a company by the name of NCA due to inquiry on credit for {$970.00}. I initially advised them I was not familiar with the company or debt. I requested information regarding debt and was told I would receive information through the mail. I still have not received any information regarding debt to company and representatives refused to give further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Account annual fee for the new membership year billed on XX/XX/XXXX. Per established policy according to the bank, a customer has 30 days from when the annual fee was billed to close the account and get the annual fee refunded. I have some family emergency ( spouse delivering baby in XX/XX/XXXX ) and would like an exception from the bank to refund me the {$400.00} annual fee. I requested the closing the account on XX/XX/XXXX, 31 days from the annual fee billing date ( 32 days if the billing day itself is included ). It is just one or two days off.

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