BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX XX/XX/XXXX  when I went into Wells Fargo branch XXXX XXXX XXXX, XXXX, FL XXXX branch to cash a check using me debit card for ID. She said " you closed the card ''. I never closed the card. Upon arriving home I called number on back of card. After being verified and an email sent with verification code I was told " the bank closed card for lack of use. '' Would have been very nice if I needed money while traveling. I asked for a new debit card and employee wanted to start all over again with verification information to issue card. I said to send me a new card in 7-10 business days or I'll close my accounts as a 28 year customer. No new debit card arrived. 

XXXX XX/XX/XXXX  went to Well Fargo branch located at XXXX XXXX XXXX, XXXX, FL XXXX to close five accounts. " No one working today. I can make an appointment for you at XXXX tomorrow. " XXXX XX/XX/XXXX  Went to a different Well Fargo branch located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX to close five accounts. I was issued five cashiers checks. And, told to call XXXX to Close accounts. The checks are deposited in another financial less than an hour later. 

XXXX XX/XX/XXXX  called XXXX spent 30 minutes with two employees attempting to close already closed accounts. First was XXXX XXXX. Didn't make sense why I had to call to close an already closed account. XXXX XXXX   could only close four of five accounts. " No mobile number to send text message. '' I told second employee XXXX XXXX there never was a mobile number on account email me verification code. " I can't do that sir. I only lets me send to a mobile number. You can go to a Branch, try online if you still have access or write a letter. " On each account I had to listen to XXXX read text and acknowledge about closing account and my financial liability if account are used in the future. And, give a reason for closing each account. Poor customer service. 

Two of the closed accounts are interest bearing so I'll receive two more cashier checks in the amount of {$0.00} and {$0.00}. 

The last outstanding account be can't be closed because it has earned {$0.00} interest in past twenty-four hours. Now I must waste more time closing an account for grand total of {$0.00} today. 

The reason the accounts are being closed is because the bank closed a debit card without notification after closing in a separate letter sent via US mail to me the consumer, half truths of employees and poor customer service.

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 2023-06-30
Company: EQUIFAX, INC.
State: MD
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:
Under CFR 102.11 a All the companies being reported on consumer 's account by XXXX, Equifax, XXXX as consumer account created in the total Sum Due over a {$1.00} terminates the account through Unearned finance charges and insurance premiums held for the benefit of the consumer for primary personal family House-hold purposes : and not for : commercial business transactions. Under 1026.4 Finance charge. The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. Under 1026.18 Content of disclosures. Official interpretation of 18 ( c ) Itemization of Amount Financed Disclosure required. The creditor must inform the consumer, on segregated disclosure, a written itemization of the amount financed on request, Consumer In Fact request Itemization of Amount Financed on all accounts being reported. This written Request for : The following Companies companies, Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX being reported by : Equifax, XXXX, XXXX, to return to consumer the written itemization of all Finance Charges being reported on Consumers Credit Report. Under 15 USC 1611 whoever willfully and knowingly Give false or inaccurate information or who fails to disclose information he is required Shall be fined no more than {$5000.00} or 1 year in prison or both

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Maximus Education, LLC dba Aidvantage
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am supposed to be in loan deferrment but anytime I try and contact them I cant get anyone and emailing gets a full mailbox response repeatedly. They are demanding that I pay my loan but I am in school and shouldve gotten auto deferment. I also have no job so where am I going to get money to pay a XXXX loan?? I sent emails to the link provided and was told it is a tech line. Seriously? This company is ridiculous to try and work with. Defer my loans!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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:
I have been disputing negative items on my report for months I have not received how these items was validated on my account and these recent reports have not fixed my problems please look into my reports and correct these issues it has been more then thirty days as well

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 2019-09-25
Company: ENOVA INTERNATIONAL, INC.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I borrowed {$500.00} from CashNet USA. I was to have paid {$120.00} to extend the loan. However, I wanted to workout another payment arrangement using XXXX XXXX XXXX. I sent CashNet USA a Letter of Revocation stating that the {$120.00} debit should not be made. CashNet USA acknowledged receiving the letter, but said that they did not abide by the letter because no payment arrangement had been made. On XX/XX/2019, CashNet USA debited {$120.00} from my account which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
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: Public record information inaccurate

Complaint:
To whom it may concern : I have spoken with XXXX and the information that's showing up on my credit report is inaccurate. The customer service Rep. by the name of Ms. XXXX XXXX informed me that there were no Bankruptcy 's showing up on my file. So please have all three credit bureaus to remove this inaccurate information from my credit file this is indeed a violation of the ( FCRA ).

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 2022-12-10
Company: Experian Information Solutions Inc.
State: AZ
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 just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this 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 2022-01-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2018-01-17
Company: CarMax, Inc.
State: MD
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:
On XX/XX/XXXX, I wrote an inquiry dispute letter to XXXX XXXX XXXX regarding an unauthorized inquiry on my credit report. CarMax responded on XX/XX/XXXX advising a photo identification was requested on order to autheticate the applicants identity before the inquiry was made. Hence, I never provided any such info to CarMax nor has CarMax supplied me with a copy of my own PHOTO identification stating I made the inquiry. The inquiry was made without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XX/XX/2023 XXXX email notice from Chase bank that an application was being processed XXXX email from XXXX XXXX reporting that an attempt was made to check my credit ( which is frozen ) Called Chase Bank fraud reporting line at XXXX to get the report marked as fraud and closed. Asked for a copy of the report details and they said they can not provide that information without a copy of a Government Issued-ID, FTC complaint and law enforcement affidavit. 

I am now looking to report this crime and seek enforcement as this is likely a party attacking many US citizens and needs to be punished accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01
Company: EQUIFAX, INC.
State: OH
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:
When I received my Annual Credit Report as well as a copy from your site, zero late accounts and zero negative accounts, yet, my credit union, XXXX, states that you are advising them of me having a serious delinquency. Something in your systems is giving this information and i need you to review it and fix it immediately, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following accounts have violated my rights. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy. 

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which ante cedes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to.a consumer to any consumer reporting agency if the person knows or has reasonable cause. to believe that the information is inaccurate.

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 2022-01-20
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been contacted by " COLUMBIA DEBT RECOVERY LLC DBA GENESIS '' about an alleged unpaid debt to an apartment complex. I have begun disputing the claim, however the debt collector is informing me of a 10 % per annum interest rate. Regardless of the validity of the debt, the initial account was NOT an interest-bearing account, as it was a lease agreement. My first communication to Columbia Debt Recovery included language stating that their attempt to apply interest to a non-interest bearing account was a violation of the FDCPA and requested that they cease attempts to collect extralegal amounts. The subsequent response from Columbia Debt Recovery made no acknowledgment of my statement and continues to include the interest that is being applied outside any terms of my contract with the initial account-holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: AMERICAN EXPRESS COMPANY
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: DISCOVER BANK
State: NV
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: SUNRISE CREDIT SERVICES, INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Out of the blue, I received a letter 10 months ago from a collection company, Sunrise Credit Services of XXXX, NY. The letter was dated XX/XX/XXXX, and it was alerting me that Sunrise  was collecting a past-due balance of {$350.00} from me on behalf of XXXX XXXX  XXXX of XXXX XXXX XXXX NY. I was baffled and stunned to receive this notice because I had paid my cable bill in total to XXXX XXXX before cancelling service with them in XX/XX/XXXX and returning the cable box and equipment. I never received any further communication from XXXX after paying my bill in total, canceling service because I moved to another residence and returning equipment. Immediately after receiving this notice about a bogus bill in my name, I contacted the XXXX XXXX XXXX and filed a complaint against XXXX XXXX and Sunrise Credit for trying to collect a bill that was not mine and failing to communicate with me the details of the alleged bill : what were the dates of services, what kind of services, what were the original charges, when did the bill become past-due? In a timely manner, XXXX XXXX sent me a letter notifying me that they will never contact me again or hire any third-party to contact me on the company 's behalf about this bogus past-due claim for {$350.00}. Additionally, I never again heard from Sunrise Credit Services. I was satisfied with the responses and considered the matter closed. However, nine months later, I received an annoying letter from XXXX XXXX of XXXX XXXX, XXXX, advising me that they are collecting the same alleged past-due amount of {$350.00} from me on behalf of XXXX XXXX XXXX for unspecified service charges. Again, this was out of the blue, no earlier letters or phone calls. Further, XXXX XXXX, reported this bogus past-due allegation in the amount of {$350.00} as an unpaid collection to XXXX credit reporting services, which lowered my near-perfect credit score by XXXX points from a near-perfect XXXX to a paltry XXXX. Immediately, I filed a complaint against XXXX XXXX, XXXX and XXXX with the XXXX XXXX XXXX. I am awaiting a XXXX response. XXXX XXXX is the parent company of XXXX. XXXX should have abided by the decision of XXXX to stop any further actions against me for an alleged debt that they could not confirm as mine and could not specify, qualify or quantify or provide specific details of any kind to me because the charges were not made by me. Instead of ceasing and desisting actions against me based on fraudulent and flawed information, this bogus past-due collection was sold to another collection company to pursue actions against me after I was told by the initial alleged creditor, XXXX XXXX XXXX that all attempts to pursue this bogus collection would be stopped. 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 explanation
Consumer complaint received 2023-09-08
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in the fact therefore exists

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: OneMain Finance Corporation
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Excessive calling on the loan 5 times a day even if it is 2 days late. Calls before XXXX XXXX. I am generally in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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