BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX Loan with account # # # # # # # opened on XX/XX/2017 and a balance of {$0.00}. 

Account is reporting XXXX diffrent dates of last activity., there are XXXX different account STATUS, XXXX XXXX reporting a DEROGATORY, while EQUIFAX XXXX a PAID account. XXXX different last payments, you are reporting a CHARGE OFF/COLLECTION with no LATE Payments reporting. while EQUIFAX is reporting XXXX also with no late payments reporting. if it's the same account being reported by the same creditor why is this different?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Opened a checking account went to close out told me it wasnt any money but in order to keep the account you had to leave at least 20 in theee

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 2021-10-23
Company: ResidentCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
We we're never made aware of the debt. It was only when the collection hit that we found out. Once we saw this, we tried to call them to pay the debt and they told us it was too late, that it was in collections, even though we were never given the opportunity to pay. We never received a written notification, phone call, or email. Even though they has access to our phone number & emails and could contact us. This has impacted my credit report as it is my first ever collection and overall negative remark. 

INNOVATIVE RECOVERY IN Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX {$800.00} Collection opened XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: CREDIT ACCEPTANCE CORPORATION
State: RI
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:
Unknown to me at the time Credit Acceptance Corporation XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX  issued me a high interest vehicle loan that has extra charges and fees attached to it and seems to have locked me into a horrible circumstance. When I had a financial hardship I was not given a fair restructuring of payments and during the height of XXXX, though advertised, I was denied a pause on payments or a stop on credit reporting during time of past due balance. I am now in repossession status.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I spoke to a agent about it being unlawful for another person to be able to garnish my funds without a legal document signed by a judge.and the agent/supervisor said they can without showing proof of a signed legal document from a court of records.

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 2023-04-25
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-21
Company: EQUIFAX, INC.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: LendingUSA
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: Their investigation did not fix an error on your report

Complaint:
A former friend of mine mislead me and used my private information to take out a loan at lending usa & open a credit card in my name at XXXX  in XX/XX/2023. I was not at XXXX  in person to authorize this yet it was still approved. They had access to my email along with other personal info. {$7000.00} at XXXX  & {$6000.00} at lending usa. I spoke with a supervisor at lending usa but they are not being helpful. I disputed on my credit report but both were denied. This has been causing me mental distress and I really need this resolved. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Affirm Holdings, Inc
State: WA
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:
On XX/XX/XXXX I took out this loan to make a purchase with a company XXXXXXXX XXXX for {$730.00}. It was for a hand tooled custom pair of cowboy boots. I never received the boots. I reached out to XXXX XXXX several times but they kept saying it would be a bit longer and eventually stopped responding to me. Several XXXX  went by and I still never received my boots. 

I then filed a dispute with Affirm to cancel the loan because I never received my merchandise. I made this request on XX/XX/XXXX. 

XXXX then Affirm has made no efforts at all to resolve this matter. They have not proactively contacted or updated me XXXX single time on the status of my dispute. It has been well over XXXX XXXX since the dispute was received and I provided all XXXX XXXX with the merchant and all evidence that I had. 

Each time I reach out to Affirm they just say it is in process and advised that it won't be resolved for another XXXX XXXX XXXX XXXX. The number constantly changes. 

In my most recent call with them they advised me it could be another XXXX XXXX 

Meanwhile I'm showing past due and delinquent with Affirm because I'm not making payments on the loan. They don't allow me to make payments yet they still report me as delinquent. 

I'm extremely frustrated with this entire process and I'm considering taking legal action against Affirm if they do not resolve this dispute immediately and cancel this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I was at a casino in XXXX nc.I used my ATM card to get money out. Roughly XXXX $ XXXXXXXX XXXX  at a time. But later that week I noticed in my statement there was a XXXX withdrawal from a ATM at that casino. I never draw that much money out at XXXX time especially at a casino. I disputed the transaction along with XXXX other fraudulent charges on my statement. I called them back a week later and the representative placed me on hold a couple times and finally credited back to my account. She then stated claim closed. XXXX week later I got letter in mail saying that they didn't find no fraudulent activity on my account and would be taking the XXXX $ back in a week. And they did! With a big company I feel like a tiny ant trying to take down a XXXXwells Fargo is the bank at hand here.

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 2023-06-08
Company: CL Holdings LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
NOTICE OF DISPUTE I AM WRITING THIS LETTER TO GIVE NOTICE OF DISPUTE AND TO DENY ANY AND ALL DEBT 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 i HAVE SENT THEM XXXX XXXX XXXX LETTER AFTER THEY FAILED TO VALIDATE THE ALLEGED DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back on XX/XX/2021, I paid a company called XXXX XXXX XXXX, a total of {$5000.00} and another {$800.00} to their associated firmed called, XXXX XXXX XXXX, and I was mislead to belief that they would release me from my Time Share. I made several complaints to both companies by phone and in writing complaining of their failure to deliver on their service. I requested reimbursement from XXXX XXXX XXXX. My complaints went unanswered and I filed a complaint with Attorney General 's office of Texas and Missouri on both companies. I called XXXX and made a claim. I received {$800.00} reimbursement but not the {$5000.00}. XXXX denied my {$5000.00} claim by explaining that it was past the timeframe, yet I received the {$800.00}, both were submitted at the same time. 

I don't know how a well known company such as XXXX is doing business with a fraudulent company scamming seniors and yet, I have a long history ( over XXXX XXXX XXXX paying XXXX for services. 

Any help to recover {$5000.00} from XXXX will be greatly appreciated.

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 2023-08-05
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022, I filed a police report with my local jurisdiction regarding identity theft. I have been battling ongoing reports of purchases such as vehicle purchases, apartment rentals and etc. Most recently, a notification on my credit report appeared regarding a debt collection. I have had a credit, freeze, and a locked credit report upon dealing with this ongoing identity theft crisis. I have never had an account go to a debt collector. Upon verification from the debt collector this is for some type of purchase and outstanding payment. Im not aware of this situation as this falls into another example of identity theft. I have contacted the representative for this debt collector and explain to them that this is a form identity theft. 

The original copy into the first known issue for identity theft is included in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: JPMORGAN CHASE & CO.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I transferred money to the person 's name XXXX. He told me he works for affordable moving LLC as I needed movers for relocating from XXXX to XXXX. I transferred XXXX on XX/XX/22 and XXXX $ o XX/XX/22 and that was through chase bank app ( XXXX ). I called Chase bank, and they told me that they can't get money bank since it was through XXXX, and it is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I already submitted but it has been 2 months and bank of America has not replied. 
COMPLAINT ID XXXX Dear US Bureau protection agency , I would deeply appreciate your help to bring this unfair transaction to light and help me and my family receive our refund from our credit card company. This is an appeal for my dispute transaction with Bank of America. I accidentally booked a ticket on XX/XX/ via merchant, XXXX, a third-party unreputable seller with XXXX rating swamped with negative reviews .The cost was {$770.00} We have additionally update : the airline admitted fault, they will REFUND, they kept on sending the same emails for the past XXXX months but most recently, they refused to cooperate. We want this charge to be REVOKED.

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 2022-09-06
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: Investigation took more than 30 days

Complaint:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2023-01-21
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I contacted Ally Financial to withdraw the funds from my account on the evening of XX/XX/XXXX. They told me my savings account was placed in a " dormant '' status since I hadn't added funds to it even though they never notified me about this status change or what I could do to prevent that from occurring. I then told them to close my account and withdraw the funds from my saving account to my linked XXXX XXXX XXXX. They told me that it would take XXXX - XXXX business days to close the account and transfer my funds. 

I contacted Ally again on XX/XX/XXXX and they said the transfer was in process. When I contacted them again on XX/XX/XXXX, they said there was a mistake and they failed to transfer my funds. They promised to escalate this issue and provide me an update on the XXXX. Since I didn't receive an update, I contacted them again on the XXXX. They said the account closure and fraud teams had outstanding questions which was preventing the transfer even though they didn't ask me any questions. Since the money was being transferred to the same bank account that was used to transfer funds into the account in XXXX, there should be minimal fraud concerns. Again they promised to respond to me later that day with an update. 

Since I again failed to receive an update, I contacted them again on the XXXX. They said the fraud review was completed but still didn't know when my funds would be transferred to my bank account. Repeated requests to escalate this issue and/or speak with a XXXX who could resolve this issue were refused. 

The absolutely horrible service that Ally delivered should be a warning to everyone never to use their service since there are many other financial institutions who provide better saving deposit rates with much better service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/2023 I was purchased used car from XXXX XXXX XXXX in state of California and charged additional services and fees. This two businesses work together to rip off customers. 
XXXX. XXXX XXXX XXXX for amount {$1500.00} XXXXXXXX XXXX XXXX XXXX amount of {$1200.00} XXXX. ALLY WINDSHIELD amount {$1100.00}. and none of it I ask for. And XXXX issue was my credit score was XXXX and I get 9.79 % while promised 7 %. 
Please help.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX XXXX Services 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 explanation
Consumer complaint received 2023-08-05
Company: Paramount Recovery Systems, L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a copy of my credit report, and I noticed a collection posted on my credit report from Paramount Recover System.There has'nt been any documents provided stating this is a factual account. Also, this account appears to be purchased from another company. 

This company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give them written instructions to furnish this on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681 s-3 of this title, any- ( i ) report containing information sold to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Good evening! I am XXXX XXXX my cell is XXXX XXXX XXXX this is in referrence to bank of america response to 1st compplaint and ypur system is not allowing me to provide feed back to the BOA response Bank of america had two unauthorized transactions on my account and I explained to them I never used XXXX the XXXX advocate who is responding is not aware that I never ever used XXXX and they mention I made a mistake and refused me the refund stating i withdrew my claims and in retaliation of my complaint to CFPB your company has mentioned they are terminating deposits and closing the account ending in XXXX qnd that they are not required to provide a reason to close the account this definately leads one person to believe its retaliation practices other wise they would come to a better solution to simply recreate a new bank account for me to ensure security instead they threatened to close any future accounts without warning. I have been tryi g to simply reaolve this problem without conflict and bank of america and XXXX both created a misunderstanding on this matter and failed to communicate correctly a resolution. If a customer is scammed the solution is now to cut off banking relationship and close account not only does this affect the victim whom i relied and trusted this bank to secure me as a client yet they close my account and let the bad guy win for steeling using their apps???? I am requesting bank of america to re review their decision and not make me a victim a 2nd time. I again have tried to come to a resolution and avoid conflict and want to keep my accounts but bank of america staff are all miscommunicating information and this is not right. Please provide my feed back to bank of america from here since your system will not let me provide feed back thank you 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 monetary relief
Consumer complaint received 2023-01-21
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, 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 A Section 2 : it also states a consumer reporting agency can not furnish a 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 fo any reason.

Company response to consumer: Closed with explanation