BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reach out to ARS Account Resolutions / XXXX XXXX XXXX XX/XX/2020 and to no avail, I have not received back the items that were requested in my Validation letter. Instead, i received a computer generated statement XX/XX/2020. Which I'm disputing In accordance of the ( FDCPA ), this has caused me detrimental health concerns due to the fact I have no knowledge of these accounts. 
There also reporting two separate account numbers for the same accounts My credit score has been affected. I am asking for this item to be removed 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 2023-07-21
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 and 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 2018-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Said company " XXXX XXXX XXXX '' has refused to validate an alleged debt that they continue to report to all three credit bureaus. I have contacted the company back in XX/XX/2017 requesting validation of the alleged debt they claim I owe. Upon sending numerous letters requesting the company send me a ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. Upon further research I have come to the conclusion that a ) this account is closed. b ) the account has been sold to a third party collection agency. Also upon my own research the third party company is not the company reporting on my credit file. It is XXXX XXXX XXXX account number XXXX that is on my credit file.How is this? The account has been sold they are no longer in possession of it. As per FCRA this is ILLEGAL. XXXX XXXX no longer has the debt, it has been placed with a new office. This is unacceptable, first off XXXX XXXX has refused to validate the debt as I requested which is my LEGAL RIGHT, but they are also continuing to attempt to collect on a debt they no longer own. Please be advised that under the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), your company is required by Federal Law to verify through the PHYSICAL VERIFICATION of the ORIGINAL SIGNED CERTIFIED  CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. Also be advised FAIR DEBT COLLECTION PRACTICES ACT Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgement, or name and address of the original creditor, is mailed to the consumer by the debt collector. Please see attached documents of the validation requests I submitted to both world finance and the third party company as well as the refusal letter I received on their behalf. This is unacceptable and I am extremely unsatisfied with the outcome and response from XXXX XXXX XXXX and there blatant attempt to not follow the law.

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 2015-05-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I looked at cars at XXXX XXXX in XXXX XXXX. 
After I was pressured into signing a paper I immediately asked the sales rep to cancel my application. 
XXXX XXXX ran my credit to various lenders without my permission and now the Credit Companies refusing to remove the inquiries. 
This is fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased a XXXX XXXX XXXX from a used dealer and the price on the car window said XXXX, I paid XXXX to hold it and would come back with the rest of my XXXX down payment. The truck had XXXX miles. When I went back the price doubled and now the loan was for XXXX, but I needed a car very bad so I purchased. Right away the truck started giving me problems it kept cutting off I took it back and they were booked for maintenance. This happed in XXXX. Because the car kept cutting off while driving I started changing the battery and alternator nothing worked. I started to be late for work and eventually was fired when the truck left me stranded on the side of XXXX XXXX on my way to work. I called Credit Acceptance Corp explained what happened and was asked to do a voluntary repossession and what ever they sold the truck for I would end up not having to pay anything else on it. I got behind due to Loss wages from the truck cutting off. Now fast forward Credit acceptance has been garnishing my work checks I get government assistance so I'm exempt in Wisconsin from garnishment but they have been aggressive since XXXX and are currently garnishing me now we go back to court in XXXX. I also later found out there was a defect recall on the model XXXX I had and that's why it kept cutting off so I was sold a recalled lemon. I really need help with all the wages I have lost I'm currently facing eviction cause my checks are so short from their garnishment.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: ND
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:
So I sent a letter off on XX/XX/2022. Here are my tracking numbers XXXX. To remove personal information that I don't want on my credit report. The companies responded without removing the personal information. I sent another letter off in response on XX/XX/2022. Here are my tracking numbers XXXX, XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights

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 2023-09-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received a call from the Wells Fargo fraud department a lady stated that there was suspicious activity in my account for a {$500.00} XXXX transaction and {$100.00} for XXXX. She asked if this was me and I said no. She then said ok that she can turn off my card and she will need to send me a new one. She said she needed my access code to do this. I was unaware of my access code so I guess and said my pin and then i said maybe its my last 4 of social security number. She then said my address number so she can send me a new card. She stated 2 of my previous addresses and I told her it changed and she said in order to update it I had to tell her the verification number through text. She did it 2 times and I told it to her. She said I would get my new card in 1 day. A few minutes later after the phone call I got a text from Wells Fargo to verify account activity and I quickly checked my online banking app and saw 3 transactions that were not me. One of {$1000.00} that was declined another one of {$1000.00} and another of {$990.00}. I turned off my card in the app and quickly called Wells Fargo and told them that was not me doing those transactions. I said that a lady had previously called me stating there was fraud and that she had already turned off my account. The Wells Fargo man on the phone said that my card was turned off and that the transaction probably happened before it was turned off. But I said it was not authorized nor done by me. He said he would send me a new card in 5-7 business days and I was asking him why the lady said I would get it in 1 day. I finished the phone call with the Wells Fargo man and he submitted a claim. I then went to check my email and saw that my withdrawal limit was increased to {$2000.00} and that was not me authorizing that either. I then realized that the first phone call I received claiming it was Wells Fargo was really not and that I got scammed by them because I gave them my PIN number thinking that was my access code and because I gave them the 2 verification numbers that they sent. I quickly called Wells Fargo back stating that I believe the first phone call I got was how I got scammed and the man said that a claim was already opened and that I had to wait 10 days to hear back. I never heard back from anyone and when I called wells Fargo the claim was already closed and they said it was denied because I authorized it. I never authorized it and it was a scam I was telling them but they said that according to their investigation i cant get my money. No one was able to help me or fix this for me. They all said nothing can be done because there investigation shows no fraud.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
They close my account down for no reason took the money that I had in there for no reason and didn't give me my money back

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 2020-04-19
Company: Experian Information Solutions 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:
These are not my accounts, nor did I authorize these inquiries to be pulled from my account.

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 2023-09-25
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have an American Express business credit card that has a fraud alert on there and back on XX/XX/XXXX I sent in documents stating who I was and also notarizing a paper that American Express provided to me. I also sent it in a copy of my driving license and a copy of my passport sent who I am and they said that it was gon na take 3 to 5 business days to fix it. Were now at a month And three days and I still can not get a supervisor to talk to me. I get all of these people talking and they said the quickest way is to go through notary cam. I tried that they cant get the questions that come up to ask me, so thats not an option so I went to the bank and today XX/XX/XXXX on the month and three days I got a call from American Express not saying that my card is unlocked. They are saying that they did not accept my documents saying that theyre going to go to that I need to go to a XXXX XXXX or a XXXX XXXX  or a bank, which I went to a bank, XXXX XXXX to be exact to get my paper notarized, and I sent it to them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: CITIBANK, N.A.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I applied for a Citibank AAdvantage Platinum Select World Mastercard for my business, which was approved. 

I tried but could not save a PDF of the offer made to me on my computer. In each instance the link would print a blank page. I did not take a photograph of of the offer which I now do as a standard practice to prevent fraud. 

Before applying, I called a Citibank customer service representative who confirmed the details of an offer made by Citibank to me that included an award of XXXX XXXX miles I was eligible for. 

The offer made to my business by Citibank and the one I accepted was to make purchases of {$2000.00} or more within 90 days from opening my account to be eligible for an award of XXXX XXXX XXXX miles. 

I exceeded the amount of purchases required ( > {$3000.00} ) within the requisite period ( 90 days ) from when Citibank opened up my business account. 

I sent letters on XX/XX/XXXX and XX/XX/XXXX to Citibank and made several calls to their customer representatives. In each instance, Citibank wrongly insists I accepted an offer to make purchases of {$4000.00} or more within 90 days from opening my account. 

Citibank has not produced a copy of the contract offer made to me that I accepted to make purchases for my business. Nor did I receive any notice that any of the terms of Citibanks offer were changed in any way. 

Citibank refuses to award the XXXX XXXX miles I should have been awarded.

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 2023-09-25
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Last year, I set up autopay on an account. I was having issues doing so online so I called in and got some help to set it up. Apparently, it was set up to the wrong account and was pulling from the savings monthly instead of the checking account which was my original intention. This led to a payment this year being returned due to insufficient account balance in the savings account. The payment is so small, {$61.00} a month, so really making this payment is no problem for me at all. I called after I found out the payment did not go through and immediately made the account current as I have a perfect payment history on all my accounts. I had the agent switch over the auto payment system to my checking account. I thought that by the following month, it would have the subsequent payment go through as well. I also found it really misleading for the app to say XXXX XXXX and then for the payment not to be activated for the following month, leading me to think everything was good and no additional action was needed. 

I want to write in to ensure that the 21 month period 0 % APR extension offer will not be withdrawn and will be honored for this account since it seems there were some misunderstanding and confusion regarding the auto payment system that caused these late payments, rather than a lack of sufficient funds.

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 2019-07-06
Company: Experian Information Solutions Inc.
State: TN
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:
Today I reached out to XXXX as they dropped my credit score over deferred payment student loans! Deferred and current student loans are to have no effect on credit scores it plainly states that in student loan laws! I want my credit score redone taking those out of it! Thank you

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 2018-03-02
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Currently have three loans managed by Navient. I was set up on an income based repayment process for two of the loans. The third is a private loan they manage. I have set up auto repayment on the private loan and have been making payments each month on the other two. They are not consolidated ( as I was told I could not do that ). Income based repayment started in XX/XX/XXXX. Every month so far I have been charged some type of late fee up to {$50.00} per month. Calls and requests for explanations have gone unanswered. The website constantly tells me I am behind in payments as well. The dollar amount posted in the screen is the amount I would have to pay if I was just repaying the loan itself.

In addition, I received notice from the IRS that Navient had written off $ 7000+ and since I didn't declare it at the time I now owe them {$1900.00} more for the XX/XX/XXXX tax season. I have gone through all of my paperwork and found no documentation of this transaction. On their website, there is also no documentation. I have called and spoke with their customer service and once again I have gotten no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
On XXXX XX/XX/23 XXXX XXXX violated my rights, by reporting false information on my report, that result in multiple ( 9 ) late payments, i wish for these late payment be removed from my report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: ACS Education Services
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been receiving phone calls from multiple numbers and none of them leaving voicemails. I finally decided to answer one and its someone on the other line telling me that I'm 100+ days overdue on my payment and if I would like to make a payment over the phone. I wasn't born yesterday obviously I started asking questions. They had confirmed that they are a collector on behalf of ACS and/or Conduent. I had told them I have never heard of them nor have I received mail of a payment due, late notice of payment, second notice of payment, or even a collection notice. I ended up calling my school about the first week of XX/XX/XXXX and left a message. Just today I got a hold of them and asked to see if they knew who ACS or Conduent is and my school confirmed they are indeed one of the lenders. So I called today and asked them to send me some sort of bill or payment notice or something. I was a student and am making better of life. To better my life and my family we moved out of state, but my mother-in-law lives at my previous residence. The USPS uses mail forwarding that I am currently using. So there is no excuse for me not to receive my mail. Apparently they have already messed up my credit. This is not right. I'm suppose to use telepathy to know who to pay my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company called everyone I know and left them voicemails about my case. They called XXXX of my family members, before they called me to tell me about the debt being collected. 

In addition, they claim that they mailed me information about the debt but I have not received anything. 

They are operating in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a FHA mortgage that is beening serviced by Caliber Home Loans and the lender has not afforded any of the mortgage rights that accompany a FHA Loan. I have not been afforded an opportunity to have a face to face with my lender. 
Moreover the lender has told me that there investor does not allow a short sale. This is not true as this loan is an FHA loan. I have several offers on this property and the property was listed with a realtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i have repeatedly asked for a debt validation from Lvnv Funding Llc they have not sent me a contract that i have signed agreeing to pay any amount but yet they put it on my credit report

Company response to consumer: Closed with explanation