BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: ALLY FINANCIAL INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX XXXX offered financing through Ally Bank in the amount of {$2500.00} for 4 sessions of XXXX  within a 6 month period. After filling out an interest form online on XX/XX/2022, I received a phone call and virtual consultation within minutes. A brief description of services and the contract was given before scheduling my sessions for XXXX and XXXX. I was informed that I would not be binded to the agreement should any medical conditions deem me an inappropriate candidate for the XXXX services. 

Two weeks after my consultation, my partner and I decided that we would start family planning. My need and ability to receive XXXX  changed. I called to cancel my loan with Ally bank in XXXX and cancelled my XXXX  appointments. Ally Bank agreed to cancel the loan and informed me that I would receive notification in the mail. Over the next few months, I would continue to receive past due notices from Ally Bank. In XXXX, I inquired with Ally Bank as to why the notices were continuing despite cancellation. Ally Bank initiated a dispute with XXXX XXXX. XXXX XXXX contacted me in regard to the dispute and stated that they could not refund Ally Bank therefore forcing me into a loan agreement for services I have not and can not receive. 

Per XXXX XXXX contract, " XXXX  services are not recommended for : ( a ) Any female who is pregnant, may become pregnant, or is lactating ; ''. XXXX XXXX states that " 4. [ Ideal Image ] may also terminate the Agreement at any time and for any reason and [ they ] will then refund you if [ their ] medical director in his/her sole discretion determines that you are not an appropriate candidate to receive treatment services as follows : 1 ) If treatment services have not yet been performed, you will receive a full refund in the amount of the total service fee price received, less {$100.00} ; '' Despite not being an " appropriate candidate to receive treatment '' as a " female who is pregnant, may become pregnant, or is lactating : '', and the agreement of Ally Bank to cancel my loan for services not rendered, Ideal Image has refused to refund Ally Bank and hinders the cancellation of the loan. 

In addition, XXXX XXXX image is unable to provide the services within the stated service agreement timeframe of 6 months due to my ineligibility per the agreement. 

The loan is reflecting over 90 days past due and will negatively affect my credit standing for services that I am ineligible to receive for a service agreement that XXXX XXXX is unable to provide per that contracted terms.

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 2022-08-02
Company: Experian Information Solutions Inc.
State: MS
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:
Accordance with the Fair Credit Reporting at XXXX  Account listed below has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX 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 explanation
Consumer complaint received 2023-01-26
Company: Nationwide Recovery Systems, Ltd
State: DE
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 allowed an inaccurate account to be furnished on my credit report. XXXX did not investigate this account prior to it being placed on the account. XXXX has proof that the account should no longer be on account. This made the consumer 's credit score go down significantly, with no valid proof. 

Also, it appears that Nationwide Recovery Systems , Ltd shared or furnished my personal information to another creditor without my CONSENT, which was with the National Recovery Agency. Nationwide Recovery Systems provided notice that this account was closed and that it would no longer be reflected on any credit report. This made my credit score decrease significantly and has had an adverse impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2019 made appt at local hospital for minor treatment ( infected thumbnail ). Was quoted {$800.00} cash, but told physician was in-network and covered by insurance, and instead told by hospital receptionist to pay {$200.00} and file insurance claim. Followed instructions but as I walked past her desk physician suddenly became out-of-network, and {$800.00} estimate instantly grew to a final bill of {$3000.00}. 
Paid {$200.00} and insurance paid over {$1800.00}. Total of {$2000.00} paid for {$800.00} service. 

Physician billed another {$780.00}, and has never responded with any documentation or explanation in 2+ years of attempted contact. 
Refuses to provide any information to this day. 

Charge is unauthorized, physician office and subsequent collection agency have not responded to any inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # 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 15 U.S.C 1681c. ( 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 antedates the report by more than seven years.

15 U.S.C. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An ExxonMobil Credit Card through XXXX was opened using my identity. In XX/XX/2022, There was a charge of {$56.00} to this credit card which I believe was used for gas. I contacted ExxonMobil and they immediately began an investigation. What I wasn't told, was that during the investigation, they would be racking up {$30.00} late fees which is now at {$370.00}. I gave ExxonMobil all the information needed as to who opened the account, but still left me responsible and ruined my credit score from XXXX to XXXX. Had I known all this would happen, I would have just paid the {$56.00}. Exxon just cleaned their hands of {$56.00} & sent me over to collections. The other gas cards that were opened fraudulently using my identity were resolved immediately.

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 2023-01-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian has been contacted and have not removed the inaccurate information on my consumer report. 

Details listed on the attached letter.

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 2023-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposited checks on XXXX XXXX not realizing they were doing a scamming. The company that sent the checks or the people who I was speaking to told me it was for a job and while I did search the company and all everything seemed legit and nothing seemed sketchy. After a day the people kept trying to pressure me and asking if the checks deposited that when I realized it could be fake and I tried to cancel the checks but it was already too late. I understand the policy of the bank and why they had to close it but I just wasnt asked any questions I have to evidence of when I spoke to the people and why I thought it was all a real job I just wish further investigations were made for the case.

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 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX and XXXX actually works with me and does whatever in their power to try to resolve a problem whereas Transunion is very unprofessional in how they conduct business! They report Inaccurate information and claim it's " verified ''

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 2020-03-24
Company: John C. Heath, Attorney at Law, PLLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I canceled service with Lexington Law XX/XX/XXXX. since then I was billed {$120.00} and {$40.00} on XX/XX/XXXX. I was told I was waiting on a refund on a card that was supposed to be cleared from the account. Ive called several times with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello, I am a XXXX  employee and I have been in the XXXX  on and off since XXXX. I have two issues : -Missing XXXX  count information -Outdate loan balance and lower credit score as my payments have not been applied to my account. 

The parties that are causing the issue : XXXXFEDLOAN -XXXX  -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX and XXXX XXXX ( XXXX ) Actions I have taken since XXXX : -Contact both XXXX and XXXX XXXX via XXXX, in person, and email to fill out the XXXX  form to get the months from XXXX XXXX XXXX added to my count for XXXX  employment. Both parties have failed to respond XXXXWork with Fedloan and now XXXX to resolve the issue. 

I have submitted the following to FEDLOAN : -PSLF forms indicating that the Agencies failed to fill out the forms -Emails -My XXXX  of XXXX XXXX XXXX XXXX employment record -XXXX XXXX Waiver Fedloan has giving me multiple excuses and now says XXXX is responsible. XXXX says they are still processing but the they do not have any records of forms or information for those months. 

On top of that my employer XXXX XXXX XXXX for XXXX XXXX ( XXXX ) has been making payments on my behalf. And since XX/XX/XXXX, those payments have not been added to my account and the old balance is still on my credit report, impacting me from shopping for a mortgage. The however, has been taken out of the account and I am paying taxes on these payments. XXXX has confirmed with my employer of receiving a payment in XXXX but the payment has not been added to my account. 

This is emotional draining because I always wanted to be a XXXX  XXXX  and went to XXXX  school because I kept being rejected. Now I am trying to use the resources recruiters told me about and it is hindering me from moving on with my life. 

I can't provide the emails as they went sent via my work email and the Fedloan XXXX is missing my documents. 

Please advise and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The original debt is it mine its from XXXX from my ex while I was XXXX in XXXX and now Jefferson capital collection is trying to ruin my credit. 
Account info Account number XXXX Date opened XXXX XXXX, 2022 Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Uplift, 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: Problem with personal statement of dispute

Complaint:
Uplift , Inc An account has been charged off but still continued to report on my credit report a negative XXXX XXXX XXXX  - Account charged off continued to report negatively after they were paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: WSFS FINANCIAL CORPORATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
first, you have to ask whether the mortgage is privately held or if it has been securitized, meaning, sold on XXXX XXXX .this mortgage has been sold or transferred from lender to lender. this mortgage is securitized, this means the note have been converted into stocks. investors buy the stocks mortgage back, or mortgage pass through securities or remic 's from the trust. the lender bank gets paid in full for the amount lent to me in my mortgage or deed usually at closing. the note is a documented and legally binding promise to pay, but in effect is an asset { negotiable instrument of value } that i own. the promise to pay, or promissory note is whats sold to an investment trust through securitization. this is what makes the mortgage note my property, not the banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Blockchain.com, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/22 I tried to purchase XXXX from Blockchain. My purchase was for {$1200.00}. I had used them before without any problems. I received an email from them saying they thought my purchase was fraud. Same bank I used before. Nothing different from previous purchases. So I wrote back including my picture and personal information asking them just to release my money back to my bank. They still have my money. I have contacted them 7 times and sent my picture and the information they requested twice. I get nothing but their standard reply to complaints. 27 days is a ridiculous amount of time to wait especially since I did nothing wrong in the first place. 
I was given 3 different ticket numbers. 
XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My legal identity is XXXX XXXX XXXX, only address is XXXX XXXX XXXX, XXXX XXXX, La., XXXX, my social has been compromised also, and only want this information on my credit report, legally everything else is considered fraudulent

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: 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: Information belongs to someone else

Complaint:
I checked my credit report an saw several account that did not belong to me, so i got in contact with the companies to let them know that these accounts were not mines. I also provided my drivers license and social security card to prove that the accounts were not mines but they refused to investigate them. So i decided to file the necessary documents to show that i have been a victim of identity thief to the best of my knowledge. The following accounts are not mines : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$730.00} XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX {$730.00} XXXX XXXX # XXXX XX/XX/XXXX {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX # XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX XXXX {$2200.00}

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 2022-10-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Scammers hacked into our landlords main server and hijacked all of their email accounts. The scammers then sent us accurate rent and utilities invoices for the month of XX/XX/2022. The invoices came with a notification that payments should now go to a different Wells Fargo Account. Same name / different account number. I bank with Wells Fargo, my landlord banks with Wells Fargo, the email came from his email address. Seemed legit, so I transferred the money. 

The next day, I asked my landlord if he received the funds. He said, No. I showed him our email correspondence over the past week. He acknowledged that the emails were not written or sent by him. He did find that someone hacked into his server and the new Wells Fargo account was not his. 

I notified Wells Fargo Bank at the beginning of XXXX immediately after the scam. Ive called Wells Fargo several times for a resolution without success. I have not received a single initiated correspondence from Wells Fargo. Looking for a resolution and for Wells Fargo to act as time is a factor.

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 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Problem getting your free annual credit report

Complaint:
I just sent in a question to you a moment ago on here but it hasn't shown up in my previous complaint history so i don't think it went through for some reason. My apologies if it did. Here is a copy and paste of the previous complaint " '' I ordered my credit report through XXXX XXXX XXXX  back in XX/XX/XXXX but it hasn't arrived, i used them back in XXXX of XXXX and it showed up in the mail so i dont know if they changed something since then or if something else went wrong. Im sending this to you here because XXXX XXXX XXXX  doesn't have a phone number of email i can contact and you have 100 different departments that i don't want to have to go through over the phone, its easier for me to ask on here. Can i receive 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 non-monetary relief
Consumer complaint received 2022-11-14
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act : Unknown Account Name AccXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-08-02
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for the Florida Department of Economic Opportunity Homeowner Assistance Fund on XX/XX/XXXX and was finally approved XX/XX/XXXX. I am currently 4 months behind on my mortgage through TIAA/XXXX. I am XXXX with a child and have been going back and forth with SSA with reinstating my benefits since XX/XX/XXXX. I have been contacting XXXX regarding the HAF Program and inquiring about payment that was issued on my behalf from HAF on XX/XX/XXXX in the amount of {$1300.00} to cover my past due mortgage balance. Unfortunately, I have had no resolution in this matter and it seems like I am getting no answers and I been hung up on and being told to contact the third party HAF with any questions that I may have. I am trying to save my home so my child and I will not become homeless. We have the funding but XXXX is not trying to assist me with it and claim they are not aware of the programs funding. I am calling every other day and Im not getting anywhere with them.

Company response to consumer: Closed with explanation