BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: FEDChex Recovery, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I submitted a complaint through the CFPB against this company in XXXX, 2023 regarding a debt that was previously adjudicated through my credit card. I was advised by the company, through this website, that my account was closed. 

Today, XX/XX/2023, I received written notice from the company regarding same debt. When I attempted to dispute it online, as the letter said I could, the website directed me to call - I have no idea why they say disputes can be completed online when all their site does is refer people to call. 

I did call, was not able to understand the persons name, but the call was placed at XXXX EST. I provided the account number on the letter and was advised that the company was told XXXX week ago not to contact me ( this is not true - I received notification in XXXX this was over ) They are still trying to contact me after saying they would stop - she assured me I would not receive anything else, but they did that in XXXX. This needs to stop. The debt was already adjudicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hi, I am writing regarding a XXXX Ford XXXX that I purchased on XX/XX/XXXX in XXXX XXXX at XXXX XXXX. The VIN is XXXX. 

On or about XX/XX/XXXX, the vehicle began showing signs of engine trouble. About 3-4 days later, to the best of my memory, I took it to the shop where I purchased it and was told it needed a new engine. It was not drivable. It has been parked behind the dealership ever since. 

I purchased this vehicle specifically for my real estate business and have incurred trouble making the payments. I phone Ford Credit and they informed me there was nothing they could do. I phoned Ford Customer Service and they said they would look into it. 

I do not feel that I should have to make payments on a brand new vehicle that I can not access and that the bank and manufacturer can not provide relief to the problem. 

Please tell me who I need to speak to. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They closed my acct for overdraft fees which should have never been charged. My account ending 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 2023-05-10
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:
Upon reviewing XXXX XXXX XXXX co response to my complaint I noticed XXXX XXXX XXXX co statements were in violations with the FCRA. XXXX XXXX XXXX costated stated that XXXX XXXX XXXX co must provide complete and accurate information to the CRA. As XXXX XXXX XXXX reviewed my consumer report I underlined multiple unacurate and incomplete information provided by the XXXX XXXX XXXX co to the consumer reporting agencies. I have attached a copy of my consumer report to this complaint as proof. Also XXXX XXXX XXXX co failed to provide me XXXX XXXX the consumer documentation stating that I XXXX XXXX authorized XXXX XXXX XXXX co to report transactions to the credit reporting agencies. XXXX XXXX XXXX co stated that I XXXX XXXX requested to report a ( {$0.00} ) XXXX balance to the consumer reporting agencies that also is false.I XXXX XXXX will NEVER tell any creditor to lie and or go against any FCRA guidelines.I XXXX XXXX requested XXXX XXXX XXXX co to DELETE all unacurate, incomplete and unauthorized transaction from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my creit report. I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report 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 non-monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$770.00}. 

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.

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 2023-05-10
Company: I.C. System, 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: Account information incorrect

Complaint:
NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number ) has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-05-10
Company: AMERICAN EXPRESS COMPANY
State: CO
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:
The American Express account that shows on my credit report is my mothers account and she has removed me as a user several times. I uploaded a chat session that shows there are no cards in my name and verified that I am not a user but they refuse to remove the account from my report. I have tried 4 separate times and they just keep updating to the current date and not removing it. My mother XXXX XXXX has asked for documentation that I am not on the account or a user of the account and they stated they can not provide documentation other than the chat attached as he is not a user or on the account to remove so there is nothing to provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was fraudulently induced into sharing account access information with a third party and that party used that information to make a EFT from my account. Therefore this isn't an authorized EFT from my account I received a text and a call from a Bank of America fraud representative from the Bank America fraud number ( which I XXXX and the number was confirmed ). The txt and representative asked me if I authorized charges in the amount of {$2800.00} and {$650.00} to a name I did not recognize. I stated I had not and the representative took me through the steps to reverse the charges and re-secure my compromised account. When I realized it straight away it may be a scam, I alerted Bank of America through the small business number as this was from my small business account. The transactions were unathorized XXXX transfers through Bank of America. I have filed a claim through Bank of America. 

As discussed in Electronic Fund Transfers Error Resolution : Unauthorized Fund Transfers Question 1, Regulation E defines an unauthorized EFT as an EFT from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ). Comment 1005.2 ( m ) -3 explains further that an unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. Similarly, when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E.

For example, the Bureau is aware of the following situations where a third party has fraudulently obtained a consumers account access information, and thus, are considered unauthorized EFTs under Regulation E : ( 1 ) a third-party calling the consumer and pretending to be a representative from the consumers financial institution and then tricking the consumer into providing their account login information, texted account confirmation code, debit card number, or other information that could be used to initiate an EFT out of the consumers account, and ( 2 ) a third party using phishing or other methods to gain access to a consumers computer and observe the consumer entering account login information. EFTs stemming from these situations meet the Regulation E definition of unauthorized EFTs. 

Thank you for your help in promptly resolving this matter

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX Dear Sir or Madam, You are in Direct Violation of The Fair Credit Reporting Act and the accounts listed below has violated several of my rights. 
15 U.S.C. 1681 Section 602 A. - Clearly states that I have the right to privacy. 
15 U.S.C. 1681 Section 604 A. Section 2. - States a Consumer Reporting Agency can not furnish account information without my written instructions/consent. 
15 U.S.C 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

CREDITOR ACCOUNT # 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 2023-05-10
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
After 20 years, my account is temporarily blocked for two months. Everyday is the same response - we know what the problem is. I do believe that technical support is intentionally denying access so that some of the many cd, and savings accounts that I own with them are going to go missing. 

I have numerous tickets open, but no access to my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX I lease a XXXX XXXX XXXX from XXXX used XXXX I have the Vehicle Contract which has missing information on it the finance charges are double and hidden for a used car I agreed to pay {$16000.00} plus {$1300.00} which is a total of XXXX ( Not XXXX ) after a down payment of {$3000.00} XXXX ( not {$15000.00} ) Amount financed shows up XXXX with 20.51percent interest will be {$3100.00} which is a total of {$18000.00} total owing the car payment of {$470.00} XXXX payments paid {$12000.00} which should be a remaining balance of XXXX remaining ( not {$11000.00} ) double charges for financing hidden fee thats not reported on the purchase contract been asking for total price so I can get refinance with a different company but I keep getting the run around Credited acceptance is hidden finance charges which makes the contract Fraudulent there not reporting the amount to customers of their financed charges they what XXXX for a used car thats not right and they hide of the financing charges and set up is up to fail I contacted a lawyer and I will also contact the Attorney Generals offices in Pennsylvania 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 2023-05-10
Company: EdFinancial Services
State: AL
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:
My loan has been canceled and closed. My payment history has not been removed from my credit report. My report is still showing late payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: IL
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 a fraud account on my report ive submitted all required documents to support my claim, the bureau claims that these documents were not in report as a cfpb rep clearly states that they are included as this report will also ... ... .. XXXX XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT I WILL LIKE TO HAVE IT REMOVED 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 explanation
Consumer complaint received 2023-05-10
Company: MoneyLion Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
XX/XX/2023 I took a {$90.00} advance from money lion XXXX and declined to leave a tip since they were charging a {$8.00} fee to send money. Repayment was scheduled for XX/XX/XXXX for total of {$98.00}. on XX/XX/XXXX the XXXX was paid in full from my XXXX acct then another {$2.00} was taken. When I contacted operator they said it was for the tip. I sent them all my screen shots and they said they would credit me this time but acted like I did something wrong. On XX/XX/2023 I borrowed another XXXX from XXXX. Again without tip but set it up to be paid directly from my money lion acct. To be paid back on XX/XX/2023. I received 2 {$5.00} boosts so it brought the total owed to {$100.00} with fees. So the XXXX was debited then another {$2.00} charge. Once again they say it's from the tip and once again there was never any tip scheduled. They say there crediting my mistake but how can they keep doing this. And if I'm not the only one this is happening to they are making load of money that there stealing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Stated I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also stated a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit account under an open-end consumer credit plan as late for any reason

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 2023-05-10
Company: EQUIFAX, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: NCB Management Services Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX To Whom It May Concern : You are reporting the following collections as an OPEN ACCOUNT which is not under FCRA compliance . This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the below deletions have been removed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCB MANAGEMENT SERVICES XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: AL
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:
My loan has been canceled and closed. My payment history has not been removed from my credit report. My report is still showing late payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-10
Company: EQUIFAX, 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:
XXXX is continuing to report a closed charged off account on my credit. 
However, they are reporting a balance of {$21000.00} which is definitely wrong and incorrectz

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: FL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation