BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: Kikoff Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XXXX app. 
Kick off. 

These are the credit repair service that said I took out a loan. But there was no money transactions directed to my bank account or received in the mail of any cash currency I borrowed. I already paid my fees for both these services and requested my account to be closed and I no longer wanted there service. A month goes by I get something on my credit report about loans I owe from both these creditors regarding that I took a loans from there company, which I never received. I wish I had a loan company let me borrow money. I wouldnt have to fix my issue with scams like this charging me after I closed my account with these two company a couple of months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Experian Information Solutions 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:
Im writing to you because I noticed that my most recent credit report contains a late payment ( s ) reported for the above listed account. I want you to know that I understand, and have great respect for my financial obligations. Due to Covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them there. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for a mortgage and it has come to my attention that the missed payments on my credit reports could hurt my ability to qualify. In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payments from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! Thank you for your consideration.

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 2022-04-14
Company: Experian Information Solutions Inc.
State: NC
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 sent a letter on XXXX XXXX2022 about a HIPAA VIOLATION on my credit report I havent received a response the FCRA states I am required to receive a response within 30 days

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 2016-08-11
Company: TrueAccord Corp.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 'm receiving weekly emails from a collection agency called True Accord for some bogus charge due to supposed damage to a rental car that I had rented via a company called XXXX ( formally XXXX ). When I returned the car, the owner said I caused damage to the very underside of the front bumper and he was going to file a claim against me for {$800.00}. There is no way I caused any damage to that vehicle and I am not responsible for any damage to the underneath of a car that was not seen during the initial inspection when the car was picked up. My insurance company reviewed the claim and denied it due to no proof that the damage was caused by me. However, this company XXXX continued to demand I pay the {$800.00} damages and a {$150.00} " processing fee ''. They have now turned me into a collection agency, True Accord who are emailing me weekly trying to collect on this amount. This company XXXX, has a class action lawsuit filed against them because they 're " processing fee '' is an incentive to file damage complaints against renters. I am in no way guilty of causing this damage and before they report this on my credit report I would like to get this issue resolved.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My Direct Express Mastercard, issued by Comerica Bank, in which my monthly Social Security XXXX Benefits are deposited was stolen in XXXX, XXXX in XXXX XXXX, California along with my ID and cell phone. Having no resources, I went to stay with a friend in XXXX XXXX where I was assaulted and had to have XXXX XXXX on XX/XX/XXXX. Five days after the XXXX, I was transferred to a XXXX XXXX XXXX XXXX XXXX  also in XXXX XXXX where I was until XX/XX/XXXX. I tried many times to call Direct Express to report my card stolen but could not get through for 3 weeks because they had a problem where the main menu to report a stolen card was not working and I would be transferred to an operator where I would wait up to 4 hours to speak to someone. I finally got through on XX/XX/XXXX and requested a new card and filed a fraud dispute for transactions totalling {$2100.00}. I faxed the documents they sent me back within 10 business days but they never issued me a provisional credit as stated in their letter to me. I also faxed them proof that I was in the XXXX and the XXXX XXXX XXXX in XXXX XXXX when the fraudulent charges were made, which were all made in XXXX XXXX and one was made in person at a XXXX in Texas! I ALSO POINTED OUT TO THEM THAT ALL THE FRAUDULENT TRANSACTIONS WERE MADE USING MY STOLEN CARD AS A CREDIT CARD AND NOT AS A DEBIT CARD ( as I have always used it ) BECAUSE THE THEY DID NOT HAVE MY PIN NUMBER SO THEY COULD NOT USE IT FOR ANY DEBIT CARD TRANSACTIONS. Again, I called every day for a status update but was always placed on hold for 3 to 4 hours. I finally got through to them today, day 40 of the investigation and was devastated to be told that they denied my claim due to " conflicting '' information and that their decision was final and that I would get a letter in the mail within 5 to 10 business days and that there was nothing I could do about it. No appeal. I provided them with overwhelming proof and evidence of these fraudulent charges yet the denied my claim. And I lost money because I could not get through to them to report my card stolen because of a malfunction in their telephone system. I am incredulous, devastated and in shock that Direct Express would do this to me. Especially with undeniable proof and evidence provided to them. I truly believe they deny all fraud claims because I have NEVER heard of anybody ever being credited back money on their Direct Express card that was stolen from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: MO
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:
I notified Experian National Consumer Center that they are reporting a fraudulent bankruptcy on my credit report on XX/XX/2019. 
I notified XXXX XXXX XXXX  in XX/XX/2019 2019

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: Consumer Portfolio Services, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I did an application for a consumer credit transaction with XXXX XXXX in which they told me XXXX needed me to put a down payment of {$6800.00} on a used XXXX XXXXXXXX XXXX and a 5 year verification letter stating I will be getting public assistance for the length of the loan. How does Congress define income? What law requires a consumer to provide proof of income for the length of the consumer loan? Why was I being offered installments when a purchase money loan is for a finance charge?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter on XXXX XXXX2022 about a HIPAA VIOLATION on my credit report I havent received a response the FCRA states I am required to receive a response within 30 days

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 2022-04-14
Company: EQUIFAX, INC.
State: CA
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 witht the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 witht the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX was removed but added back to my 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 2015-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I had problems with my account awile back which I complained to " higher ups ''. Not exactly sure who they were. Seems as though nothing happened. The Bank allowed a third party, whom I do not know, and I believe I had password protection, did not help, to say bills I paid were not legitimate ( not quite sure what they said, just my guess ) because all of a sudden I had this balance in my account. The folks doing this were alleged " loan officers '' from whatever name they used. I was not happy. Called the bank first to have these transactions reversed immediately. I like to try and pay my bills. I argued at length with the phone reps telling them I was not the one who called in making these claims. I was sure they kept records of there calls, asked them to research. Finally I went to the branch I usually use. Spoke To XXXX, president, he too shook his head no when I began to explain that a third party did what they did. Got more frustrated. Mentioned I 'd already called the bank and so forth. Then he begins to lecture me on things he 'd previously told me. I had not made the same mistake. And why was my account even open to them when I had password protection? For some unknown reason they stopped asking what my password was. I had noted that when I called because the person answering the call did not ask me, nor the next person. 
So at some point, and days later, I submitted an email to XXXX hoping he 'd READ it and understand. He has a one track mind, he simply said I am messing up. No I was not. So I sent back an email saying I 'd chalk it up as him being a man. Later I received an email from the woman who opened my account not to send 'harassing ' emails to XXXX , and not to send them to her either, or they would report me to their whomever and discontinue my account. Followed by how nice they been with me. Well, hell, it was their error I had better receive those fee credits!! they were so nice to give me. Later XXXX writes or calls telling me because my payment did not go through I must pay cash or money orders. Again went back to the bank, asking them to send a letter to optimum this was NOT my fault so my being able to pay by debit card would be reinstated. I tried on about XXXX separate occasions. Said they did finally. Unfortunately that was not the truth. I have stayed with the bank, but I never walk in there again. I have no desire to see these people. Not for any other reason than I am angry and hurt. They were way off base. 
I have kept the emails, which I offered to submit to the bank. They refused them. 
I HATE BOA as a result.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am looking to buy a distressed home owned by Wells Fargo and it has been vacant for 10 years. The reason I am looking to purchase a bank owned home is because of my student loan. Anywho, they wo n't sell me the house, respond to my inquiries nor will they answer my questions about whether they should even have the right to hold the property as an asset when they themselves are in fact bankrupt and do well to hide these nonperforming assets from their balance sheets all in the meanwhile, rejecting hard working citizens from mortgage approvals and a better way of living as decent taxpaying citizens. Wells Fargo has never seen this house nor do they understand the condition of the Home. If I did win this case, I might never make enough money in my lifetime to fix it due to the deterioration stemming from such long term vacancy. I have even tracked down the person who abandoned the property, well at least a family memeber who informed me that they have jet set their way back to XXXX, ten years ago. I am completely sure that Wells Fargo, in question, has never looked at what the assessors office says about the property and do not even realize that the property history shows this house to have been sold for {$1.00} at one point in time. I am merely seeking a letter of recommendation to the land court, [ where I intend to take this consumer protection issue in question ], from the CFPB to insist on the sale of this property for the maximum amount of taxes owed, to increase property tax revenue for the betterment of the State. Taxpayers should be able to find vacant homes that are no performing and be able to flip them or keep them. Is n't that what Reaganomics XXXX & XXXX is all about? Is that possible?

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 2020-04-20
Company: FC HoldCo LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2016-01-29
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
This is a dispute to complaint XXXX, something is wrong with the page. I was contacted to be informed that they needed more time to complete their work and it would be another week. I then told them to continue to respond to me in writing. This is the reason it want them to respond to me in writing, so it wo n't be any miscommunication. Ask them to play the recording. Assessed value, nothing. from XXXX till now I have only received one tax bill and that is for XXXX. It is classified as a business. Escrow questions, prepaid amounts for HUD insurance, prepaid amounts for PMI insurance, no explanation,. They are still researching the title issues, the second mortgage to the city of XXXX, and the initial appraisal value. The mortgage co have had this loan since XXXX, I filed this complaint in XXXX XXXX, its very apparent that they are not going to answer my questions. Still waiting on answers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XX/XX/XXXX I closed a secured credit card ( {$300.00} collateral deposit ) with Wells Fargo which I opened back in XXXX. At the time of closing I paid {$76.00} to bring the balance just to {$300.00} ( Collateral originally mine ) and waited for the account to close. 41 days later they credit the collateral back not without bringing the account to a whopping {$86.00} in interest and late fees. I received constant calls about paying the {$86.00} and the automated voice menu gave plenty of options to pay and 1 option to talk to a rep which I always chose just to hear " at this moment there is no one to talk to you ''. 

I called another number and talked and complained to a rep which after much consideration forgave XXXX of the XXXX late fees of {$37.00}, like XXXX late fee assessment was right and the other not (?? ) and no reversal whatsoever on interest charges. 

This card was offered to me back in XXXX to help me rebuild my credit and it has done absolutely nothing for this purpose, now it is about to HURT my credit rating. On top of everything I 'm closing a just {$300.00} secured card, not shutting down the economy of this country ; how come it takes FOURTY ONE DAYS to credit my deposit back. 

This is PRIMITIVE at best.

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 2022-04-14
Company: EQUIFAX, INC.
State: CA
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 witht the Fair Credit Reporting act XXXX XXXX  Original creditor : XXXX XXXX, Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: AmerAssist A/R Solutions, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Company has not made an attempt to collect this debt prior to placing it for collections and having a negative impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I HAD MY WALLET TAKEN FROM ME AND THEY TOOK {$2000.00} OF MY BANK ACCOUNT AND WHEN I CALLED MY BANK TO REPORT IT THEY SAID THEY WOULD TAKE CARE OF IT AND THEY TOLD ME THAT THE BANK CANT NOT LOSE THIS MONEY LIKE IT WAS MY FAULT MY WALLET WAS TAKEN FROM PURSE ALONG WITH ALL MY CREDIT CARDS AND ID. AND MY BANK WELLS FARGO DENIENED MY CLIENT AND NOW I AM OUT {$2000.00} I WANT TO KNOW WHAT PROTECTIONS DO I HAVE AGAINST FRAUD AND HOW CAN MY BANK IN 1 DAY COME TO A DENIAL SO QUICK AND JUST LET ME LOSE THAT MONEY I NEED HELP IN THIS MATTER IT IS NOT FAIR AND I FEEL THAT WELLS FARGO DOES NOT STAND BEHIND THEIR CLIENTS.

Company response to consumer: Closed with monetary relief