BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
Company: WELLS FARGO & COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
After having issues with a cancelled gym membership and in ability to deposit cash into my bank account i was told by a banker that my only options where to have someone zelle money into my account and give them my cash tips or close my account and go with another bank. i chose to close my account and opened a different bank account with a new bank and was told after the conclusion of my claim for the gym i could transfer my money to new bank and the account would be closed. this call took place i believe on the XXXX of XXXX and i opened and used the reimbursed money with in the next few days. i had filed 4-5 claims over the last months against the gym and was told by the bank they put a stop payment on anything coming from them and the gym changed how they were charging the account so it kept going through. after switching banks i put through a change of direct deposit with my work which got messed up so it still went to my old account with Wells Fargo ( which should have been a closed account at this point ). the account was never closed and was charged again by the gym and some other recurring payments " XXXX, XXXX XXXX  ect. '' which over drafted my account more than the total of my payroll check could cover. i called again to try and resolve the issues1 the gym still charging me 2 the account still being open and 3 my payroll check going into the negative account and how to get that money back. i was then transferred to claims department and told the account was not closed because i needed to cancel all of my bills before i could close it which does not make sense to me as they reason i was closing the account was they were allowing the gym to continuously charge me month after month and closing my account should then mean there's no account for them to charge in any way possible but they refused to close it and told me to get in contact with every one of my recurring bill companies and cancel the payments before they will do anything. i have tried on multiple occasions to close my account with planet fitness ( the gym i was being charged by ) and was told on multiple occasions it was closed then after the 3rd time filing a claim and calling the gym i was told i needed to drive 2 hours to a different branch to cancel ( this is what caused me to have wells fargo put a stop payment on they charges in the first place ).

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-01-24
Company: EQUIFAX, INC.
State: NC
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 am a natural person, I am a living human being, I have the rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2021-09-14
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 information incorrect

Complaint:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: AMERICAN ADVISORS GROUP
State: NV
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My home XXXX XXXX on XXXX XXXX. My insurance company XXXX sent a 3 party check in the amount of {$170000.00}. My husband and I signed check and overnight it to AAG and check was received by AAG Loss Draft Dept on XX/XX/2021. I was told it would take 10 business days to issue my remaining funds. To date I have not received any funds and only I dont know answers when I question the returns of my proceeds. If it took only 10 business days to process my remaining funds then where is my funds. We are homeless and only getting nowhere with AAG. We are XXXX and XXXX XXXX XXXX riding around XXXX XXXX with no where to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Nelnet, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently received a letter in the mail notifying loans with a collection agency. After some research I found that two loans I had with Nelnet, loans " I '' and " J '', had been sent to collectors and set into default status. I was not notified of late payments or notice of approaching default status. After reviewing my personal records with corresponding information given to me via phone conversation, I found these loans had been submitted to default status in XX/XX/2016 without my knowledge. In my review, I found documentation sent to my address I've used for years with Nelnet, of a 60 days past due notice in XX/XX/2016 for the loans in question asking for payment before they became delinquent in total of 90 days past due, yet Nelnet had already sent to collections. I then made a payment in XX/XX/2016, as I was told this would help all of my past due loans from being delinquent. However, since I was not informed of " I '' and " J '' already filed as defaulted, this payment was not applied nor was it communicated that said loans were out of their hands. Now these loans have been in default for 3 years without my knowledge and have accrued almost {$2000.00} in fees and are being handled by a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: CHALLENGE FINANCIAL SERVICES
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
At the end of 2018 I got into an accident and it was deemed a total loss. prior to the checks being sent over to the finance company from the insurance company I fail to receive a copy of the payoff balance sheet for the total payoff amount. Because the contract was only in duration for six months the total pay off the balance should not have included the entire finance charge for the duration of the entire contract and should have. At a much lower balance than what was stated to the insurance company. I have called numerous times always to be placed on hold for extended periods of time only to be not held that the end. I have written a letter to your place of business requesting copies of every single document that they have in their files in regards to my account and I received nothing as a response to but an e-mail requesting that I could sign in online to view my account history but when I do so the history in after dating question and not for the entire duration of the contract. And to add to that what they did instead was inputted into their computer system that I now have a balance of {$1300.00} because I was asking them to return to me any excess monies paid to them after satisfying my account balance. because by law it is rightfully mine and should have been returned to me as soon as the payments were made. not only did they not supply me with any of my paperwork to document any of the details and how the appropriated any of the refund money but I also never received the title for the vehicle in which the entire loan payment was made for. As well as they have now somehow added a {$1400.00} charge to my account but have no documentation explaining why or how that number was reached or why they feel entitled to such an amount. It is also incurring interest as if I was still under contract with them which is false because the terms of the contract were met and the account was closed and that was explained to me in one of the phone calls that I made to them. they should not be allowed to charge me for attempted charge me any money without them furnishing up and supplying the paperwork necessary to substantiate such claims. They also negatively impacted by credit score for months after the accident stating that I was past due on payments when in fact they had already received payment the loan. So all around this company is doing awful business they are not meeting terms that they should be and are not supplying any paperwork as to their conduct on that side of the contract. I have upheld my side of the contract and I believe that they should be held to theirs as well. There's a lot of unscrupulous behavior going on within this company, and that is some evident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Bread Financial Holdings, Inc.
State: HI
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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Along with 15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Experians fraud dispute department on XX/XX/2021, around XXXX XXXX PDT. I spoke with a male agent named XXXX in the fraud dispute department located in XXXX XXXX. After I was fully authenticated, XXXX asked what I wanted to dispute. I told the XXXX I want to dispute two ( 2 ) hard inquiries because Im the victim of identity theft. XXXX then did an improper hold/transfer procedure. He transferred me to a different department without explaining why. I did not consent to being placed on hold nor to be transferred. He interrupted me with the transfer process. 
Then I was transferred to the membership resolution department for consumers who have a premium membership, however, I recently canceled my membership and do not want a resolution fraud specialist because they require a specialist to call me back in 24-48 hours. Why would I want to wait 24-48 hours to speak with a resolution specialist when I was ALREADY speaking with XXXX in the fraud department to file a dispute regarding two hard inquiries. The length of time to dispute two hard inquiries with XXXX would have been only a few minutes. I then called back and spoke to the fraud department and filed my disputes. I should not have to be required to call back to file a simple dispute a second time. This is unfair and abusive practices.

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 2019-04-30
Company: EQUIFAX, INC.
State: VA
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 became aware of a large, inexplicable decrease in my credit score through XXXX. I contacted on Equifax on XX/XX/19 to investigate, and spoke to two agents, one via the " chat '' window and one via telephone. Both agents insisted that the only means of looking into the case further is for me to pay a {$15.00} fee to access my report ( which basically amounts to extortion ). At no time was I ever informed that I have a right to access XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: EQUIFAX, INC.
State: FL
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:
Ive been going over my credit report and I saw some collections and inquiries that were on there. It says that I owe you guys a lot of money but, I dont know what its for. 
I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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: Information belongs to someone else

Complaint:
Date of inquiry XX/XX/2023, Company who processed fraudulent inquirie XXXX XXXX XXXXXXXX, Address XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, IN XXXX Request Originator is fraudulent I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. 

I am contacting you guys to have this fraudulent inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I started receiving calls from a company that claims to handle debt collection for ace cash express. This number XXXX first called and then said they are trying to locate me so they can arrest me then they gave me a fake case number for a civil case in my local court and said I had 30 minutes to contact this number XXXX to pay to avoid being arrested they have been told to stop and wont give any information as to where they are located so I can send a letter to have them stop calling me. Based on what Ive found online is that this company has been sued previously for doing exactly what they are doing now, also the numbers given appear to be spoofed. I have attached a voicemail from one of the numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
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: Account status incorrect

Complaint:
I have contacted XXXX on several different occasion in regards to my student loan being reported as 90 days late. However, my student loan has been in forbearance since XXXX 2015 due to the lawsuit against XXXX University. I filed a " Borrower Defense to Repayment '' and was confirmed that my loans were and still are in forbearance for a couple of years now. I tried fixing this situation but they still reporting negative. They are reporting two loans both as 90 days late and this information needs to be corrected. 

XXXX has failed to remove those 3 late payments from my credit report, knowing that the information being reported is invalid and I 've disputed it on my credit report once before. My student loan account needs to be updated to reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX is a credit card that i am paying on but am not able to use anymore. I have been paying constantly on it and they seem to have payments going to wrongs account because they have missing past due. I can no longer make online payments therefore ha e been calling in payments. Past months they been refusing to take my regular payment and its now showing as 120 days delinquent and hurting my credit. I've tried numerous times to speak to a supervisor and been put on hold and hung up on. Called back and no supervisor or manager available. They have told me if I don't make a XXXX payment they will keep reporting me to the agency. XXXX XXXX XXXX XXXX have violated many laws. 
Section 605, Section 605A, Section 605B.

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 2019-11-05
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XX/XX/XXXX we purchased a preowned XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX California and presuming XXXX two months later we started having lots of issues with the vehicle lots of vehicle recalls vehicle starling in the middle of the freeway and road airbag lights going off and on ignition switch authorityVehicle key falling out of the ignition switch so we had to vehicle after numerous attempts of trying to get the vehicle repaired VA dealership in speaking to the finance company we finally had the vehicle volunteer to report in XX/XX/XXXX now its XX/XX/XXXX we have been served with a summons to appear in court in XXXX of this year and we have tried to negotiate with the finance company to go down on the bill because they auction off the vehicleAs we know they should have been a violation of the lemon law since then numerous threats about selling us to court numbers harassing phone calls people saying that they have a summons and they are in attorney first appear in court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: FL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX CARD partial account number XXXXXXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There is inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit,. I am trying to take steps to correct prior credit problems. The inaccuracies make it difficult to obtain new credit. Please help me to resolve this matter.

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