BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-15
Company: Aldous & Associates, PLLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was a fitness member at the XXXX XXXX XXXX aka XXXX XXXX  XXXX XXXX located in the XXXX XXXX in XXXX, TN. In XX/XX/XXXX, I was getting ready to relocate to another area in the city and decided that I would no longer need my membership. I went into the fitness center and requested to cancel. I never signed a contract to become a member and there were no fees to cancel. XXXX told me that I would have to put it in writing. He wrote all of the information down and I sent a letter to have the payments stopped. Somehow in XX/XX/XXXX, a collection agency reported that I owe {$160.00}. The debt is inaccurate. I have never received a notice from XXXX XXXX XXXX XXXX or Aldous and Associates. The collection agency claims to have been reporting since XX/XX/XXXX and I have never heard from them. This information just popped up on my report in XX/XX/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 2023-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XX/XX/2023, I withdrew {$4000.00}, from my credit union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, TX, in the form of a cashier 's check. I then drove a few blocks to Bank of America Branch located at XXXX XXXX XXXX XXXX XXXXXXXX, TX, and deposited the cashier 's check. that was made out to my name. 

I asked the bank employee how soon the funds would be available and was told since its a cashiers check it should be immediately, but, no more than a day. Three hours later I received notification that BOA would hold my funds until XX/XX/2023. There is no reason for these funds to be on " hold ''. 

Had I cashed the cashier 's check and subjected my safety by having a large sum of money on my person I would not have this issue. The bank would not have held funds!!! 

This is the second experience of this nature. In the first, I was informed the credit union check was larger than the established amount of {$5500.00}. Based on this and the fact that a cashier 's check is the same as cash, I did not expect another issue that prevented me with the use of my money!!! 

Three hours after my deposit, I received notification that my funds would be held until XX/XX/2023, at XXXX XXXX local time ; Reason : " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' WHAT!?! This is totally unnecessary, and I believe BOA is being a bully. It does not take 13 calendar days/11 business days to verify a cashier 's check. This is ridiculous! 

The verbage on the website states, when asked : " How long does it take for a cashier 's check to clear in Bank of America? 
Funds deposited before XXXX XXXX ET on a business day will generally be available the next business day. Funds deposited before XXXXXXXX XXXX PT on a business day will generally be availasble the next business dayl. You will be notified if a hold is placed on any deposited funds ''. 

There is a systemic problem with BOA 's protocol. This cashier 's check is from a FEDERAL CREDIT UNION! BOA is holding my money and making compounded interest on it. 

I filed a complaint with BOA and the associate stated she would file a " grievance '' and I should hear something within a few days but she was sure my funds would be released. 

Comparison : My sister made a similiar withdrawal from the same credit union in the form of a cashier 's check then deposited it in her account at XXXX and her funds were immediately available without a HOLD!

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 2022-07-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax shows an account on my credit file that does not belong to me by XXXX.This is not my account. Also, Equifax, XXXX, and XXXX didnt update my personal information on my credit report. I sent a letter beyond 30 days and the issue isnt resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I send a validation letter to the credit bureau in XX/XX/2019 requesting that the below account be validated : XXXX XXXX account # XXXX {$680.00} I notified the credit bureau of this account inconsistencies and have the opportunity for the bureau to correctly validate this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed.

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 2018-12-14
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
GM Financial Inc. 

Background I have a lease with GM Financial. GM Financial uses XXXX XXXX as their payment service. I setup automated payments via XXXX XXXX at lease inception. I was unaware that automated payments automatically ended after a 2 year time frame. I was subsequently late on my GM Financial lease. 

Issue At time of lease, I setup a user profile on GM Financial website with all of my current phone, email, address information, re-updated when I moved as well. When lease was taken, salesperson copied all my contact info from a prior lease and I signed, not reviewing my phone number. 

When my auto payment was stopped, I was not informed by either phone, email, or mail. When my account went late, I was not informed by either phone, email, or mail. GM Said they called my phone number on my original credit application, not the phone number on my online account with them. They said the collection department and online accounts don't link.

What is happening with this type of non-communication.

The only reason I found out that I was late was because I applied for a mortgage and the lender informed me as such. If I didn't run my credit, I would of found out when a repo truck pulled in front of my house to take my vehicle. GM goes out of their way not to inform people when payment processes change, or even when they are late. They do this so they can increase income via late fees and eventually repo the cars for non payment. 

This is predatory lending at it's definition. 

To summarize. I have made payments online for 2 years via auto-pay on time. My auto pay cancelled without me knowing. GM Financial failed to contact me. I went late, GM financial failed to contact me with information that they have had in their systems. I would of never found out unless I ran my credit. 

I can only imagine the type of negative impacts this is having in communities that are less fortunate. Excessive fees added into balances can cause people to default. This has to be stopped. GM Financial has to make all efforts to inform their customers when a payment goes late. 

These types of actions are decimating the lower income communities by charging more fees and hurting credit so borrowers have increased costs on future loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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:
Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX writing to bring to your immediate attention serious inaccuracies found on my Experian credit report. 

Upon careful review of my report, I found the following derogatory marks that I believe are incorrect and request immediate investigation : XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX XXXX XXXX  CO ) Account # : XXXX Account Type : Collection Account Status : Derogatory Balance : {$1600.00} each Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX, Account # : XXXX, XXXX Account Type : CollectionXXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Status : Derogatory Balance : {$420.00} each High Credit : {$520.00} Last Reported : XX/XX/XXXX, XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. Consumer disputes this account information. Medical. Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX Experian Account # : XXXX, XXXX Account Type : Open Account XXXX XXXX XXXX Account Status : Derogatory Balance : {$960.00} each Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Comments : Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. Collection account. 
Date Last Active : XX/XX/XXXX Please note that these accounts do not belong to me, and I have never authorized or engaged in activities related to these accounts. I believe there may be a mistake in recording these accounts under my profile.

Furthermore, I kindly request you to update my current address and remove the previous incorrect addresses mentioned in previous correspondence.

I request immediate investigation and removal of these discrepancies from my report as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). Please send me a corrected copy of my credit report as soon as these corrections are made.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-07-15
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX. I believe it was reporting in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-07-15
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
FAY has committed multiple errors covered under 12 cfr 1024.35 ( b ) ( 11 ) when they denied my short sale on a letter dated XX/XX/2022 accusing me of not doing an arms-length transaction. Fay admitted that they never opened up the review on or about XX/XX/2022. They than decided to find a false reason to deny my application so that they can go forward with the sale. They used the same false accusation prior in another application review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I did some research starting with the original creditor XXXX  XXXX XXXX. They stated that they have never provided this account for collection with XXXX XXXX or Midwest Recovery Systems. 

I have spoken with a representative from each of the following collection companies regarding the account status and when it was sold to the next collection company. During my research, I did not find any evidence that this account was ever sold/sent/provided to Midwest Recovery Systems. Midwest Recovery Systems is committing fraud reporting a debt that they dont legally own. 

Please see the below chain of events for the selling of my account and proof that it was never sold/provided/sent to Midwest Recovery Solutions. 

XXXX XXXXXXXX XXXX sold this account to XXXX XXXX XXXX in XXXX. 
XXXX XXXX XXXX sold this account in XXXX to XXXX XXXX XXXX. 
XXXX XXXX XXXX sold this account to XXXX XXXX in XXXX. 
XXXX XXXX still has this account in their office and has never sold it to anyone. They stated they have never sold to Midwest Recovery or anyone else. This account has been in their office since XXXX. XXXX XXXX is the company that legally owns this debt and no one else.

I just find it strange that Midwest Recovery has a debt for me and no one has indicated that they ever legally sold Midwest Recovery this account.

As you can see I have done an extensive amount of research into this matter and I have concluded that Midwest Recovery has obtained my information illegally and is provide false - information about their rights of ownership to this debt. They are violating my FCRA rights by reporting a debt that they do not own and cant prove that they legally own the rights to collect on this account. There is no paper trail that ties Midwest Recovery or XXXX XXXX to my debt from XXXX with the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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:
Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about 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 2023-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The negative items in my file have been updated due to the CFPB breach and this is a violation of code 1681 I. Please remove the following items. Capital One late pay, XXXX XXXX XXXX account that says its in collections. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX 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 : 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 2023-07-04
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
You have already sent a couple of letters on my behalf to Key Bank. Talking to one of their fraud people today. They are not looking any further into it no matter what they are telling you. I was advised today that I should get in touch with the merchant and take it up with them. What Merchant, they have given me 2 different merchants and neither of them make any sense. One is in XXXX and the other in XXXX Texas. So which one, then at that end of the conversation the fraud agent told me maybe I should hire a lawyer. What?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've mailed the Credit Bureau directly due to the inaccuracy of the reporting and validation of 2 public  records on my profile. The request to dispute was denied without substantial proof to have this inaccuracy reporting to my credit profile. 

Effective XX/XX/2017, any public record data must include name, address, SSN & DOB in order for it to appear in your credit file. The Credit Bureaus have not updated the information and per the new law, true Bankruptcy listed does not include this information and should be deleted from 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 2023-08-03
Company: EQUIFAX, INC.
State: NV
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:
Someone stole my identity and opened a fraudulent account. credit agency is reporting it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Bread Financial 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: Account status incorrect

Complaint:
On XX/XX/XXXX I made a purchase online at Lanebryant.com and while checking out, I was offered a store credit card which I accepted and put the purchase on this credit account. I received damaged items and contacted the company to return these items. I was told that because of damage I would not be charged a return fee. I was credited for the return per the store credit card account on XX/XX/XXXX. I was charged a {$5.00} fee unbeknownst to me. I never used the account again. I was subsequently charged two late fees and when noticed the fee per a text message alert in XX/XX/XXXX I contacted the company. I spoke to representatives on XX/XX/XXXX who confirmed I was charged incorrectly. All charges including the {$5.00} and all late fees were credited to my account and I was supposed to have a XXXX balance. As of XX/XX/XXXX I have a balance due to interest charges ( that were not credited correctly ) of {$4.00} and this account is damaging my credit as it's incorrectly reporting as late on my credit reports. I never owed a balance on the card and it should never have reported as a balance owing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

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