BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This complaint involves a line of credit that I have with Wells Fargo. The account is 5 years old. I don't remember opening the account or never used the account. I never needed the account. Every year the account did not appear on my online account except when it was time to pay the {$25.00} fee for the account. I always made the payment online. I would say that I wanted to close the account but never able to do so. I was told that if I closed the account I would not be able to reopen the account. In XX/XX/XXXXI told the person on the phone again that I want to close the account and that I never needed the account or wanted it. A few day later I saw on my online account that my credit card was closed. My credit card was separate or should have been. I surmised that the two account may have been linked. I went to Wells Fargo located in XXXX on XXXX XXXX XXXX. They could not see what had happened but managed to reopen my credit card which had a balance on it. The could not give me any information on the line of credit or close it. I didn't have an account number, credit card or check and no way to access this account. I received a letter stating that the matter had been sent to mediation. 
Later I received a welcome package. The case had already gone to mediation. I did try to contact the person who had sent the package and was told they didn't know how to reach her. 
No agreement was met in Mediation. 

Thank you, 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 monetary relief
Consumer complaint received 2023-01-04
Company: Rickart Collection Systems, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved out of my old apartment on XX/XX/2022 and I requested XXXX stop service to my apartment on that date. I submitted a stop service request on XX/XX/2022. XXXX confirmed this stop service request on XX/XX/2022. I continued to be charged through autopay until XX/XX/2022, which totaled to {$81.00}. I attempted to contact XXXX on multiple occasions about this issue. On XX/XX/2022, I called XXXX to discuss the issue and was told that it would be resolved. It was not so I called again on XX/XX/2022. This time i was given an email i needed to send my new lease to in order to prove I had moved. I sent my lease to this email on XX/XX/2022 and didnt receive a response. I continued to be charged, but had turned off autopay. The bill would show up as late. I followed up on XX/XX/2022 and was told again to send proof of moving and of my stop service request. I did both. XXXX did not respond and continued to charge me. I followed up on XX/XX/2022 and did not receive a response. Despite all of this, XXXX continued charging me and eventually sent the remaining debt to a collection agency. I have been receiving mail from Rickart Collection Systems , Inc. since XX/XX/2022 stating that i owe them {$34.00} as the remainder of my XXXX bill. XXXX actually owes me {$81.00}, as i have not lived in the apartment for almost a year and provided ample proof of this, including my original stop service request which was submitted well before i moved out. The most recent mail i received from Rickart Collection Systems , Inc was on XX/XX/2022. I still have not received any responses from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I changed my name from XXXX XXXX credit score over 800 to XXXX XXXX. I contacted XXXX, Experian and XXXX   with the proper court documents with my name change so they could merge my score from XXXX XXXX to XXXX XXXX. They replied and said they would fix it. It has not been fixed my credit history is only covering my new name XXXX XXXX. This happened because I am XXXX and the credit agencies are not reporting my credit history correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-01
Company: JPMORGAN CHASE & CO.
State: CA
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:
This Chase Card account showing Charge Off on my XXXX Credit report is not my account. I am listed as an authorized user. I have sent letters to XXXX and Chase and neither have removed this from my credit report. It is really hurting my credit score and I need it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: VA
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 implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Lendmark Financial Services
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, First I would like to say that Lendmark Financial is a great company and I plan to continue to do business with them if they see fit. I requested a car loan for my husband back in XX/XX/XXXX and we were approved for the vehicle. He was hospitalized for weeks due XXXX health and was out of work for some time. My husband was sick again during the time of XX/XX/XXXXand XX/XX/XXXX and he was not being paid for his time out which caused the account to go past due XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX we were late 30 days and XX/XX/XXXX I was also late 30 days. Unfortunately, we had a death in the family and I was responsible for the cremation and the memorial services which set me behind those 2 months for my car payment. I will also admit with much going on I also lost track of my financial obligations. 

Although the loan has been refinanced and well appreciated, I'm still taking a big hit with my credit score and at this time, I'm trying to get approved for a mortgage. Please consider updating the past due history for the previous loan. 

Lendmark Financial was gracious enough to refinance the loan in which I am thankful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Medical Data Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a bill for {$27.00} to XXXX XXXX for some medical analysis billed on XX/XX/2020. 
I have the personal check image and endorsed by XXXX XXXX XXXX on XX/XX/2020. 
I have the bank transaction image that includes the amount and the transaction ID associated with the check After providing proof of payment to 2 other debt collection agencies, XXXX XXXX continues to refer the amount to collections. 

Current debt collector, Medical Data Systems , Inc. d/b/a Medical Revenue Service ( MDS ) has been provided the information with no resolution.

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 2020-02-29
Company: General Motors Financial Company, Inc.
State: IA
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:
Hello, I am writing in concern that there have been a series of complaints against Americredit ( GM Financial ) regarding the receipt of titles to cars and liens being released. I recently went to the county to try and get a copy of the title for my car. The woman at the county treasurer informed me that I was not the 1st place security interest. This car was paid off at the time of a vehicle purchase at XXXX XXXX in. XXXX, IA. That was back in XX/XX/XXXXand here in XX/XX/XXXX I can not sell the vehicle as needed. This has caused me some financial strain because I need to sell the vehicle. I called GM financial to see why the lien was not released. Two different representatives thought I was requesting a copy title from them and sent me to some website to reorder that. When I told them that there was lien they still did not understand that and still tried to direct me to get a copy title. After I slowed the rep down and really explained they still hold first place with the county she understood. Then I advised I needed a notarized copy with a wet signature showing that I own the vehicle. She said ok and tried to direct me to a the website. Where I have to pay for something that is not my error. The representative was courteous and provided a code to waive the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I hired an attorney to address the Deed Inlue of foreclosure ( DIL ) and Ocwens appointed DIL attorney matters. At the request of either Ocwen ( receiving mailed DIL data packages ), or at the request of the Ocwen attorney, I have been submitting the same DIL data package ( same type of information ) to both parties since XXXX. A total of six ( 6 ) DIL data packages to date have been submitted. I have yet to receive a final filing of the ( notarized ) DIL document filed with the residential court of record. 
In addition, since the matter is still in litigation, Ocwen ( terms in wring from their attorney ) reversed its position of not reporting this matter to the credit bureaus and has since reported negative information to the credit bureaus. I have reached out again to an attorney ( bill still piling up for services rendered ) to address this ( negative ) reporting matter, of which is an unfair tactic/practice by Ocwen. 
In closing, had I not been able to qualify for the DIL ( letters received from Ocwen ) Ocwen has demonstrated some egregious practices. Ocwen nor their attorney should be allowed under any circumstance to consistently mis-handle a home owners ( qualified ) DIL data package.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: CITIBANK, N.A.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Hello, on XX/XX/XXXX i, XXXX XXXX reported my Citi bank credit card lost. The card was locked and Credit card company told me that they will send me a replacement credit card to my home address by mail. I didnt receive a replacement credit card but on XX/XX/XXXX I was notified by a text message from Citi bank about my new card being charged for XXXX dollars. I immediately called the credit card company and notified them that I never received this new card, never activated, never used it and never gave anybody any permission or authority to use it. The Citi bank refused to connect me to their fraud investigation team and simply hung up on me. Please help me I believe I was scammed by someone who works at the credit card company. 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 monetary relief
Consumer complaint received 2020-02-29
Company: 1st Franklin Financial Corporation
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I only borrowed XXXX from 1st Franklin Financial in XXXX Louisiana and they are making me pay back XXXX which is suppose to be insurance for a person which if they fall behind paying XXXX a month is expensive for me they told me it would help if I fall behind and then when I did they said something different if you lose your job that was not what I was told getting the insurance I was told if I fell behind now XXXX threatening me about taking my vehicle and asking me what I'm doing with my money I want to file a suit on them I have been worried, frustrated and humiliated I just want something to be done I would be surprised how they treat the other customers when they fall behind I even have tried talking to them it don't help please help

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 2023-08-08
Company: Albert Corporation
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
hello I have signed up the the Albert app. Upon doing so and linking my bank, now this company takes out money from my bank with no schedule or warnings beforehand. I have expressed my concern and eagerness to cancel, and even though they agreed not to take any more funds out of my account ( in writing ), they are still doing so and refuse to cooperate. They do not have an operational channel of communication, and all they do is ignore my messages. i have bank screen shots and message screenshots with this company. is there anyway to get a formal investigation against this company? seems like there are countless stories of scams from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
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:
Im accordance with the fair credit reporting act these accounts have violated my rights under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 604 A section 2 a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open consumer credit plan as a late payment for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX Services : ( Original Creditor XXXX XXXX XXXX ) XXXX  Physical Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Original Creditor : XXXX XXXX  XXXX XXXX Current Creditor : XXXX XXXX XXXX Creditor Account # : XXXX Date ( s ) of Service : XX/XX/XXXX Agency Name : XXXX XXXX XXXX, XXXX XXXX Reference # : XXXX Balance : {$0.00} This notice serves as confirmation that the above-referenced account with the above-referenced creditor has a XXXX bal- ance. 
Please note, if information was reported to the credit bureaus regarding this account, we will request the account be delet- ed from any consumer reporting agency files to which we have submitted information within one week of the account closing in our office as paid. Consumer reporting agencies may take up to 30 days or longer to update consumer reports and this is beyond our control. 
We appreciate your attention to this matter and encourage you to call our office if you have any additional questions or concerns. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX Toll-Free XXXX XXXX XXXX Calls to or from this company may be recorded or monitored. 
This communication is from a debt collector. 
PLEASE SEE PAGE TWO ( 2 ) OF THIS LETTER FOR IMPORTANT NOTICES REGARDING YOUR RIGHTS XXXX XXXX XXXX, XXXX is registered as XXXX  XXXX XXXX XXXX in the following states : AZ, IA, KY, NH, ND, SC, TN, TX,

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 2017-10-01
Company: EQUIFAX, INC.
State: CA
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:
In XXXX XXXX, I reported to XXXX, Equifax, and XXXX, that information on my credit report is incorrect. Date of first delinquency being reported by XXXX XXXX XXXX ( XXXX ) is incorrect. They were even falsely reporting payments that were never made. This was a loan obtained in XXXX which is now a 10 year old account still being reflected on my credit report. It is being reported that last activity was XXXX when in fact no activity has been made 5 years beyond that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
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 Federal Reporting Act the creditor : Pentagon Federal Credit and XXXX XXXX XXXX has violated my rights under 15USC1681 section 602, wich states that I have the right to privacy. 15USC1681 section 604A section 2 also states that any consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment of a credit card account under an open and consumer credit plan as late for any purpose.

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 2020-02-29
Company: CL Holdings LLC
State: PA
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:
Around XXXX of XXXX I had a XXXX XXXX  account that I was unable to pay and it went to collections. In XXXX of XXXX Jefferson Capital Systems listed the debt as new and my credit score went down drastically. I have disputed it twice with XXXX  and it has not been corrected. It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold.Please adjust this on my credit report. Also, I paid off a loan with XXXX XXXX XXXX XXXX  in XXXX of XXXX and they reported the payment 30 days late. I made a satisfactory payment in XXXX of XXXX and paid the remainder of the loan in XX/XX/XXXX. I was not late in my payment. Please also have that removed. I have tried calling XXXX XXXX XXXX and they refuse to change the reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These intuition ran my credit without my permission. In accordance with the fair credit reporting act .15USC 1681 they violated my federally protected consumer right to privacy and confidentiality. I need these inquiries removed off my report. They are negative reflecting my chapter. other intuition review my history to see if I'm an responsible candidate for their intuition and these hard inquiries were made without my written permission / or consent.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit Bureaus are destroying my credit history unfairly and unjustified. 
Supposedly by a remark code, which was added to XXXX XXXX XXXX XXXX XXXX 
I am being Penalized every Single Months for the Same Reason, Although the bank has Confirmed the Absence of Such Remark Code. 
They also Penalized Me With Amounts of Discounted Points, which I Never Receive, After having Resolved These Disputes With Credit Bureaus. 
The Dispute are Completed and resolved every Single Months, But They keep adding the Remark Code, Every Single Months. 
I Need Resolve the Issues, They are Destroying My Credit.

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