BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023

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 2022-02-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am following up on a collection notice I received stating that I owed unpaid rent for XX/XX/XXXX in the amount {$1100.00} due to me moving or lease termination. I am still living at the address in question uninterrupted since XX/XX/XXXX and have not missed any payments. 

I previously addressed this issue in court in XXXX and the case was dismissed since I did not owe the funds. I was unaware the collection remained until completing an application to rent another property and I was contacted by mail from a collection agency trying to collect on the same debt.

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 2020-01-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collection agency issued me a collection letter for a medical service never authorized. The collection agency is Wakefield & Associates, Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX. After receiving the letter I wrote them back and disputed the debt with proof and stating the fraudulent nature of the debt. After attempts to have them fix the account in which they stated they would in writing, it has now been reported to my credit report. I'm am speaking with an attorney this week to sue the company for harassment and fraud. After looking up reviews on this company, these people are crooks and I am one of hundreds they have done this to illegally including ruining people 's credit for lies and illegal practices. I will provide all letters and documents upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under National Credit Adjusters. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize as original owner is reflecting as XXXX XXXX which I have never been associated with. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report, is not listed as disputed and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still no validation was received however the account was removed from my credit report, however after I reviewed my report again on XX/XX/XXXX the account has reappeared with no dispute notes nor any validation received for the debt. I do not believe this account is valid and correct as it does not belong to me nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Best in Funding ,Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I first purchased the XXXX XXXX XXXX in XXXX of XXXX, and I have made my monthly installments on time for the last two years. In XXXX of this year, XXXX, I made a partial payment and it sent my account into delinquency which led to the company, Best in Funding suspending my account, and preventing me from accessing the payment portal to make a payment to bring my account back to current status. 

I called them to attempt to rectify this issue on XX/XX/XXXX, and the Account Manager, XXXX began to over talk me, interrupt me and assert how my phone call was not important and hung the call up while I was still on the phone. I attempted to call back to address making a payment, and the same woman, XXXX would answer my call and hang up repeatedly. She disconnected my call 12 times according to my phone log. 

I was finally able to call back approximately 30 minutes later but was still met with the most unprofessional customer service, making me feel inferior, and discriminated against for missing one payment in my two year history with the company. I was finally sent a link to make the payment, but unfortunately the link did not work. I called back again to try and make the payment, of which I was hung up on again after being told a new link would be sent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fair Collections & Outsourcing XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2023 To whom it may concern Pursuant to your reference # XXXX and # XXXX the Fair Debit Collection Practices Act FDCPA youre required to provide a verification of debt including the amount owed within 30 days. 

My reason to challenge : 1 ) Carpet was cleaned prior to moving in padding could have been damaged then. 
2 ) I had no warning of damage or chance to witness it before getting the closing bill 3 ) I was not warned of a potential problem since there was a of inspection I week prior to moving out!

4 ) I was not provided pictures of the damage until carpet was replaced. I called and questioned XXXX XXXX XXXX XXXX about why we were not given an opportunity to witness a first-hand account of the damage, then and only then pictures were emailed. Pictures do not identify a particular apartment could be of any apartment the layout of every apartment is the same. 
XXXX ) Our dog is XXXX lbs and was walked religiously. The pictures show damage of a much larger species 6 ) I paid monthly Pet fees that were to cover any damages 7 ) Upon notice of moving out I was given an option of cleaning the carpet myself or pay {$250.00} for XXXX XXXX to do it. If the damage was that great why was I given the choice? You do not get 2 bits at the same apple! 

I will be filing a complaint with the CFPB Consumer Financial Protection Bureau and the Federal Trade Commission Pursuant to FDCPA Fair Debt Collections Practices Act, I am requesting you stop contacting me immediately!!! 
XXXXXXXX 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 explanation
Consumer complaint received 2022-09-10
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2022, I mailed a debt validation and cease and desist letter through certified mail. Pervious to the debt validation and cease and desist letter, I requested for the agreement XX/XX/2022 but instead Discover attempted to collect payment on alleged debt as well as contact information. Instead of being connected to a so called team who can send my agreement the conversation was closed. Discover also discover provided two different numbers for me to contact to request the agreement but instead it was a number of an automated voice attempt to collect payment. Under federal law they are required to send the agreement upon request. 
Below I will attach the Debt Validation and Cease and Desist Mailed on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 explanation
Consumer complaint received 2023-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Bank of America took my application and pulled a credit report when I had not completed the application and was trying to contact them. I reached out multiple times and was promised call backs that did not occur. I was told they contacted me but they did not. There was finally a call back to my initiated call to them. The application was not complete and I should have had the option to call with more information ( which I had ) and to cancel the application if I chose to. It is not fair for them to pull a credit report with an incomplete application. I asked for the inquiry to be reversed and they said they can not and will not do that. I did not get a credit card, the reference number is 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 2018-01-31
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX XXXX XXXX is failing to provide me with monthly statements of my account. They claim that because I'm " fulfilling my monthly obligations '' ( making my payments on time ) that they do not provide billing statements. 

About a month ago I asked that they provide me with a statement each month regardless of account status. I also made sure that they have the correct contact information. 

It is critical that I receive monthly statements. I've been paying extra each month and I need to be able to make sure that the payments are being applied correctly. 

I've asked for copies of the past three months of statements, and they told me that they are unable to give me these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Affirm Holdings, Inc
State: IL
Product: Credit reporting 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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a 47.6k purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
ACCOUNT LOCKED WITH APPLE CARD GOLDMAN SACHS I have been contacting Apple Card Support for 10 days regarding my card account being locked. They keep mentioning that it's for some safety and security reasons, but I'm waiting for outbound calls that haven't come. One was with technical difficulties where i couldn't hear anyone, the other was outside of the hours of availability I gave them.

I keep contacting support who says that someone will call me, but it's the same answer every single day, either through the Apple Support messages or over the phone. They've notated my account, but I have not received the call. 

It's unfair that I have to wait this long without a deeper answer. I still have a balance and line, I am still ME, and Apple Support can't even be bothered to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I have account with XXXX and gets monthly report. I was alerted that an account was opened in my name at The Goldman Sachs Group Inc on XX/XX/2023. I did not open this account, and nobody contacted me about opening account in my name. The details received from XXXX on the illegally opened account in The Goldman Sachs Group Inc. are as follows : Reason - Open Financial Institution - XXXX Secondary matches - Name, Address, XXXX Name of Financial Institution - The Goldman Sachs Group Inc Account Opened Date - XX/XX/2023 Notification ID - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
I applied for a XXXX  XXXX XXXX business credit card back on XX/XX/2023 and application was received after I sent about 8 documents including sensitive information they requested including my tax returns for both years. After reviewing all the information, XXXX  XXXX XXXX declined my business credit card application and sent me the decline email and letter XX/XX/2023 ( see attached ). 

Fast forward to today XX/XX/2023 and I wake up at XXXX XXXX  to an inquiry on my credit report from XXXX  XXXX XXXX. They pulled my credit again for this same application that was already closed without my consent. I never called or talked to someone and asked for this reconsideration, my report is not allowed to be pulled a 2nd time without my authorization. I need XXXX XXXX XXXX to work with TransUnion to remove the inquiry dated XX/XX/2023 from my credit report as this was not authorized. You can't say that it was a reconsideration because I never asked for this and if I were to ask, I'd expect to be told I would get another inquiry. This inquiry needs removed as it was not authorized.

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 2020-01-18
Company: EQUIFAX, INC.
State: OH
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:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed is that they have gone past the 30-day Mark and can not verify this account I dispute it. under Section 611 ( 5 ) ( a ) of the FCRA - they are required ... probably delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to request the removal of unauthorized credit Inquiries from WELLS FARGO. 
They did multiple credit hard pulls for XXXX credit card. I have XXXX inquiries with only XXXX account opened with Wells Fargo These XXXX inquires were unauthorized Inquiry dates : XX/XX/2022 Inquiry : WF CARD SVC They did hard pull I didnt apply for anything Inquiry dates XX/XX/2022 Inquiry : WF CARD SVC They did hard pull when I didnt apply for anything.

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 2022-12-31
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Navy Federal credit union has held my funds from me for XXXX years. Via telephone, I have been transferred to the security department to deal with this issue After being on hold for XXXX hours, I was advised to go into a branch. When I went into the branch, they had me call the security center again, which I was inclined to wait there for another XXXX hours for the call to be dropped, and the branch to close. I do not have time to spend sitting in the bank for XXXX hours. Thereafter these uncomfortable interactions, my checking/savings account is no longer accessible online anymore. I feel as if I have been waiting long enough and they are unlawfully holding my funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
refer to complaint XXXX : Rushmore 's response that a payment plan agreement was mailed to me in XXXX is a lie ; also, Rushmore 's contention that I received a call in XXXX regarding the " rest upon agreed money '' is also a lie. They record phone calls ; I want a copy of the recording. I also want to see evidence of the " signed '' payment plan agreement!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 had a card with XXXX XXXXXXXX XXXX  XXXX XXXX. This account is paid and closed. The creditor is still reporting this account with a balance as a charge off. 
When i made the arrangement to pay the card off i was told after the payment that the account would be deleted from my credit file. 

I also asked for this is writing after the payoff which was over a month ago and i never received anything and the account is still reporting incorrectly on 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 2023-09-16
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received and email from Best Buy offering to convert my store card to a general use card. I immediately clicked the response digitally that I did not want my card converted to a general use card in XXXX. I nonetheless received a general use credit card today in the mail. I called the company : XXXX and was informed that there was nothing they could do. They suggested I cancel my current ( new ) card and reapply, even though it could impact my credit score.

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 2022-02-25
Company: Experian Information Solutions Inc.
State: MI
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:
Hi my name is XXXX XXXX XXXX and as this complaint is for Experian. They needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date XXXX XXXX XX/XX/2021

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