BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-20
Company: Oliver Adjustment Co.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Follow up with complaint XXXX Is regarding account # XXXX, which you claim Such as I owe $ XXXX.They put negative marks on my credit reports ( including XXXX, XXXX and XXXX  ) . Without verification of my signature or have enter any agreement with OLIVER ADJUSTMENT COMPANY INC.

OLIVER ADJUSTMENT COMPANY INC Stated : " We have disputed the account per the consumers request and will follow up with our client and send out Validation of the debt. ". Which means OLIVER ADJUSTMENT COMPANY INC, does not have my signature or any contract or arrangement. Which is a violation of my rights under. The Fair Debt Collection Practices Act. I do not know who you are. I have never been to your office or even where you are located. This is damaging to me and my family. I having a hard time at my job focusing.because of the XXXX dealing with this problem that is not mine. I'm having XXXX XXXX. Which I'm going to the doctors today.It is stopping me from refinance my house. So, I can make an addition on house for my sons needs.My son is XXXX and need special commendation.

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 2022-09-12
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
In XXXX i got a computer at XXXX   online store then dsys lster the purchase was cancelled cause they lost in delivery so they cancell but never give me refund for 2 months installments payments i did. Then not only that On XXXX XX/XX/XXXX got XXXX  charged for XXXX Plus XXXX trade in Not only that they restarted the monthly installments payment from XXXX today so they charging 3 times same purchase and never got the product. 
Please see the pictures they says all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud account on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The account is not showing in dispute nor is it removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the account to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Go Capital Holdings, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
In XXXX, I opened an account with Go Financial which is now XXXX. In XXXX, I went to trade in that vehicle while being promised by XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, OH that the remaining balance from my other carwould be taken care of. XXXX  XXXX paid the balance off, 45+ days late. Now my credit report shows 2 late payments in XXXX and XXXX XXXX from Go Financial because the account was still in my name somehow even after I traded the vehicle in. I have contacted both XXXX and XXXX XXXX dealership to fix this but nothing has come of 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 explanation
Consumer complaint received 2019-10-28
Company: American Coradius International LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice for debt collection from American Coradius International dated XX/XX/2019. On XX/XX/2019, I sent a debt validation letter via mail and fax to American Coradius International, stating that I do not owe any debt and challenging the validity of the debt, as I have had my accounts, email and other personal accounts hacked into and have had credit applied for in my name that I didnt initiate. I have continued to receive calls and received another letter to attempt to collect this debt that I do not owe. I have had to send another letter today via fax and will send it once again by mail. I do not owe this debt and want the calls, letters and attempts at collection to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 Wells Fargo offered a forbearance. I was told I could suspend loan payments. I took the option. So now Im being told I have to secure another loan or whatever else for those payments. My Wells Fargo account reflects a XXXX balance yet my credit report reflects a XXXX balance. So just what kind of XXXX mess has Wells Fargo done? I resumed payments and have been called twice asking me what my plans are. So are they trying to take properties from people?

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 2018-04-07
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom It May Concern : Be advised that this is not a refusal to pay, but notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding me to pay this debt. 



This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 



At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to reflect on my credit reports by your company, I will not hesitate to bring legal action against your company for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 



I am sure your legal staff would agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: BMW Financial Services NA, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I traded in my old XXXX for a newer one and set up payments on auto pay as I've always done over the past 7 years with impeccable payment history. 

XXXX failed to take out the payment from my auto pay and didn't contact me until I was past the 30 days. 

I've NEVER Missed a payment to XXXX. I had the money in my account, and this was their mistake. 

This is hugely impacted my credit score for something that was not my fault.

Please let me know what you can do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: ALLY FINANCIAL INC.
State: MA
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:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 explanation
Consumer complaint received 2018-04-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2018, I contacted Wells Fargo to ask if my ARP on my credit card could be lowered. The first customer service representative stated, " We can not lower your APR because it's against the law. We must charge you what the APR was on your original application. '' My APR is listed as variable.

I called Wells Fargo back the same day and spoke with a different customer service representative and asked what law will not allow my APR to be lowered. He stated, " The government. '' Is Wells Fargo prohibited by law from lowering a consumer 's variable APR in California? 

Thanks.

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 2021-02-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX, a collection for the amount of {$360.00} was sent to Experian agency due to a late payment from XXXX XXXX. The amount for this collection is inaccurate, and should be removed immediately. 

I have had this account for over five years and have never missed a payment. On XX/XX/XXXX a payment was made and posted. There was a stop payment attached to the card that the creditor was pulling from, so when the debt was being pulled the payment didnt go through. Once I became aware that my payment was late, I immediately paid the entire balance of {$360.00}, which is inaccurate to what was reported to Experian, so I would like for this late payment to be removed. 

I've notified XXXXXXXX XXXX and Experian several times and have sent letters to them as well and nothing has been resolved although the information reported is inaccurate and I have shown goodwill by paying over the amount that was reported, 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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my 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 explanation
Consumer complaint received 2021-02-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I recently had my credit pulled and noticed that only 2 of the 3 major credit bureaus were reporting scores for me. XXXX and XXXX had no problem pulling up my accounts however, Experian is not reporting on my credit file. I thought that maybe there was a freeze on it so I gave them a call but they could not find such a thing. I was very confused because no one could tell me what was going on. Experian needs to report my accounts! I am in the middle of trying to buy a home and for the life of me I can not get anyone with Experian to give me any answers. My scores must report immediately, I have accounts open that should be reporting and they must provide me with a score.

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 2018-04-07
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a court statement that I'm being sued by a company that I never had business with. Or know anything about. After I received this letter Docket number XXXX, with old Citibank statement. I immediately called Citibank on XX/XX/XXXX, to find out what was the court letter for. Citibank customer service was not able to talk to me, but transferred my call to this number : XXXX XXXX. I spoke with one of their customer service representative who than informed me that Citibank sold my dept to them on XX/XX/XXXX, at that time I questioned her if that was the case how come I was never informed or received a letter from Citibank or from her company as a debt buyers before until a court order to reply to the company I don't know about. she said they have been calling me. They did called me each time I answer the phone and Identified myself Immediately I was asked to provide my social security number so they know they are talking to me. I always tell them that I can not provide such information on phone especially when the caller called me due to identity theft. After during our conversation I was provided with another phone number to speak with another party : XXXX. I spent so much time asking questions. I was told that they sent letters witch I never receive and phone calls without voice messages to identified who they were. My question is what is my option here? How do I go about this in court. I know I had contract with Citibank not a third party.

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 2020-11-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid this collection and agree to deleted from my reports. But they wont remove it from my reports. Saying theyre not allowed to deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wakefield and Associates , Inc. ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX ) sent me a letter on XX/XX/XXXX seeking to collect amounts allegedly due to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX   ). I responded to Wakefield 's letter onXX/XX/XXXX and disputed the amounts claimed due by explaining that the amounts were either paid to the original creditor, or the amounts were so old that they were barred by the statute of limitations.

Prior to the XX/XX/XXXX notice, I had contacted XXXX XXXX on XX/XX/XXXX, to dispute the amount due because I had received some sort of debt collection letter. I advised XXXX XXXX that the amount was paid, in fact, their system reflected a credit balance of {$190.00} ( it does not today ). I requested that this amount be applied against the balance due. They did not apply it, nor did they refund the money to me.

I was surprised when I came home today ( XX/XX/XXXX ) to find a letter datedXX/XX/XXXX from the Wakefield firm again seeking collection of {$320.00}. This letter detailed the amounts that they were attempting to collect, with the 2 oldest dates reflected as XX/XX/XXXX, and additional service dates in XX/XX/XXXX. They also provided additional documentation that appear to be invoices and a billing summary from XXXX XXXX. However the billing summary does not contain information to reflect the running outstanding balance, nor does it reflect the credit of my check ( # XXXX for {$190.00} ) that was cashed by their office on XX/XX/XXXX.

I will be responding to the most recent Wakefield correspondence by providing documentation supporting my dispute. Since it took them over a year to respond, I am seeking the assistance of the CFPB to eliminate further collection of this debt.

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 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried on numerous occasions to have my credit report updated with XXXX, my report has not been updated since 2018.

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 2023-03-23
Company: SANTANDER HOLDINGS USA, INC.
State: CT
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 Reporting act Santander acct # ending XXXX, SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. This creditor has reported to XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: William D. Meeker Enterprises, Inc.
State: NY
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:
The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) Insurance c ) a court order. d ) employment. I recently pulled a copy of my credit report and noticed an inquiry that I did not authorize and does not fit A, B, C, or D above : - XX/XX/2020 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts and it is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$1900.00}, XXXX XXXXXXXX XXXX Balance : {$3200.00}

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 2020-01-29
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I did not receive my Truth In Lending Act disclosure prior to my line of credit with CASHNETUSA. I have attempted to obtain on numerous occasions in the last several days and have been told various reasons why it will take 3 to 10 business days. One customer service representative told me a manager had to review my account and will call me back. This will take 10 business days. The second customer service representative told me it will take 3 business days. I am not confident in the information I am being given and am in need of the TILA with CASHNETUSA. This should be on my account page. For anyone who does not receive their TILA prior to the loan/line of credit you are not legally bound to make any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Revco Management, LLC
State: MD
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:
I recently obtained a copy of my credit report. I realize that this collection agency ( Revco Solutions ) placed a debt on my credit report. I have no knowledge of this account. I did not authorize this account with them.

Company response to consumer: Closed with non-monetary relief