BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
They made me do a down payment of {$4000.00} which is illegal because its a financial charge it didnt help my monthly payments nor decrease the value of my car. It came with gap insurance and they made me get insurance on it to drive off the lot also.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. These accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need these corrected at once. This is your final chance to resolve the inaccuracies on the items : XXXX BANK XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Date XX/XX/XXXX, XXXX BANK XXXX Date Opened XX/XX/XXXX Balance {>= $1,000,000} Late/Open Late Date XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Date XX/XX/XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/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 non-monetary relief
Consumer complaint received 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX Made a payment XX/XX/2020 through their automated phone in a timely manner as I have perfect credit. 
Payment did not post to my account. Did not get notice that payment went through. No email, no text ( choice of communication method, no mail ). 
I have 2 different credit monitors that show all my payments are on time. 
As of today my credit score dropped over 100 points. I sent my credit reports showing payment credit history, and a explanation that I paid on time and was not notified my payment went through. XXXX has caused me hardship as I almost had a 800 credit score. Been on the phone all day trying to resolve and twice today I was disconnected. 
I opened this account In XXXX as it is a no interest credit card as I needed the funds as I was having XXXX medical. Why should I have to go through this at a time when we are in a State of Emergency with this Corona. From Excellent high credit to a negative score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23
Company: Navient Solutions, LLC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for my annual credit report online through the FTC official website at  XXXX  and the  XXXX  credit reporting agencies I request a free credit report from refused to give me the opportunity to dispute an existing problem with over-charges b y two  institutions for a subsidize and unsubsidize direct loan,  perkins loans   plus there suppose to be in deferment status and   XXXX   is reporting or posting the wrong information on my credit report. I tried to request a dispute and their webpage refused to meet my request. In addition, my complaint involve s two financial institut ions that serviced the student loans  XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX . I believe a direct loan check was cashed in my identification and I 'm being billed for the over-payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, 2015, my wife and I met with a Bank of America mortgage loan officer to apply for a refinance our house. We were told that would not be a problem. The following day I brought all documents requested. After placing several phone call to find out the status I called the branch 's general manager, she called the loan officer 's manager and the following day the mortgage loan officer called me XXXX XXXX XXXX ) to tell me that I was XXXX or XXXX payments late in the last 24 months. When we met with him to formalized the application that should not be a problem to obtain the refinance, he asked us if we have been late in our mortgage one month in the last 12 months, the answer was no, then a day latter he requested banks statements for the last 24 months and the he said that in our credit report shows that we were late XXXX or XXXX payments late that would be very difficult to obtain the refinance but that he has someone else who can help us. Also the mortgage officer mentioned that he met with the underwriter and now via e-mail his manager is saying that the my application has not been submitted and if I want them to do so, i need to come up with {$450.00} for the appraisal of the house. I have request in multiple occasions to be provided with a letter stating the reason ( s ) of the denied, all my documents back and a copy of the application and also a copy of our credit report and to this day I have nothing. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Idk know what this is for i never had my lawn done with these ppl at all and sent emails and called advised this and still on my cbr

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: EQUIFAX, INC.
State: LA
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 submitted a dispute for a charged off credit card account that I was added as an authorized user. In the details of the account it clearly showed that I wasn't the primary card holder. Currently I have gone through two rounds of investigations and Equifax and XXXX  never removed this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
US Collection Wwst company continues to report a false collection account to XXXX BOTH XXXX AND US COLLECTIONS HAVE FAILED TO PROVIDE VALIDATION OF DEBT AFTER THREE CERTIFIED LETTERS HAVE BEEN MAILED TO BOTH COMPANIES SINCE 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX with Pioneer Credit Recovery has contacted 3rd parties about an unknown alleged debt. I have a Bankruptcy in place which XXXX has ignored. While leaving a message on XXXX, Legal Assistant to Attorney XXXX XXXX on a recorded line. I insisted that XXXX Cease & Desist from contacting me altogether, Cease from contacting 3rd parties instead contact XXXX to discuss this matter. XXXX informed me long into the call that he was speaking with me on recorded line without my knowledge or consent. This debt collector has grossly violated my rights and I have no clue what his collection matter pertains to.

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 2017-01-31
Company: U.S. Collections West, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed Bankruptcy XX/XX/2010. I recently noticed a new collection on my credit bureau. I dispute the collection. I started receiving collection notices demanding payment of {$1000.00}. I explained this lease was included in Bankruptcy. U.S. Collections West, Inc. refused to take down my bankruptcy information. I do n't owe it. It 's been over the statue of limitations in Arizona to collect on this and it was included in Bankruptcy. They are reporting to my credit and it not a true debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A " Pre-Legal Notification '' was received from company concerning a debt allegedly owed by claimant. On XXXX/XXXX/2015 claimant sent a certified w/ return receipt letter to the company at the address on their notice requesting verification of the debt. The return receipt was stamped ( not signed ) by " XXXX XXXX '' and returned. The original certified mail and return receipts are in claimant 's possession and can be presented upon request. 

On XXXX/XXXX/2015 claimant received another " Pre-Legal Notification '' from the same company, from a different address in the same city, with no verification of the debt claimed. Company therefore failed to suspend collection activities in order to verify the debt in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Continuously violating my rights as a consumer under the FCRA. 

Failing to property investigate my dispute request Failing to respond within 30-45-60 days. 
Failing to provide method of verification despite serveral request. 
Failing to acknowledge to supporting documentation as proof of erroneous information Refusing to acknowledge a dispute request.

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 2017-10-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contacted the company and resolved the owed debt with promise that the item would be removed from my all XXXX credit reports and it is still reporting.

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 2020-04-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On or around XXXX XXXX I began receiving text messages about my card accounts from XXXX XXXX by XXXX I had a dispute with card XXXX and that card was replaced by current card XXXX. Apparently money off of card XXXX in the amount of {$1300.00} was left on this account that was allegedly closed out. I made numerous attempts to resolve this issue, but each time was given a dissatisfied answer. They kept telling me that the account was closed XXXX XXXX ) and no information could be retrieved pertaining to account.XXXX  XXXX the text alerts that used to inform me every morning has halted informing of account XXXX the supervisor was so rude as to get in touch with my employer to get answer about the funds when its XXXX who is in charge of rejecting or accepting monetary dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: JPMORGAN CHASE & CO.
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven`t received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a check come through my account on the evening of XXXX. When I checked my account on XXXX/XXXX/16, it showed the check had arrived, at XXXX which point I deposited enough money to cover the check. At XXXX at XXXX I received a insufficient Funds from the bank charging me a {$35.00} fee and making my account over drawn. I am requesting the bank stop charging fees when money was put in the account in a timely fashion to cover the check. every consumer knows this is a ploy banks use to make money off the consumer. Please assist me in stopping Wells Fargo Bank from charging my account illegally.

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 2022-04-12
Company: Experian Information Solutions Inc.
State: MO
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2022-09-07
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 Account # XXXX, has violated my rights.18 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: BMW Financial Services NA, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I went to XXXX BMW in XXXX XXXX to purchase a car. I found XXXX I wanted and I also had an older XXXX to trade in. I worked out a deal with the dealer that they would pay off my loan for my older BMW for {$12000.00}. I got my payment numbers down to a number I could afford after the trade in etc of the old car ( {$510.00} ). I went into the finance office to sign off on paperwork. He offered me of course several extra options for warranties etc, all to which i declined bc i could not afford more than {$510.00} per month. He showed me on his computer the XXXX, and if i added anything it would be {$560.00}. again, i said no to anything extra bc {$510.00} was already the high end of my budget. So he printed out paperwork and I signed, not reading the fine print, of course. So I get my bill in the mail, and it is {$560.00}. I looked at the fine print of my contract and I notice that instead of paying my old car loan off, they only paid {$10000.00}, and added the extra {$2500.00} ( my balance was XXXX ) to my new loan. Thats interesting, and dishonest. Do n't tell me you are gon na pay it off then sneak the rest of the money u did n't wan na pay into my new loan. So, i call there, speak with managers etc, and of course all they say is, well you signed the paper. Yes the paper that was supposed to say all the things we agreed on verbally XXXX minutes before you printed them out. This place is a joke. What can I do?? I ca n't pay {$560.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Southwest Credit Systems, L.P.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Last year a collection account appeared on my credit report from a company called SW Credit Systems. It listed the original creditor as XXXX in the amount of {$1000.00}. I have an open account with XXXX for my residence and I am always current on that account. So I wrote to SW asking to verify the accuracy of this account. They took it off my credit report XX/XX/XXXX. I checked my report today and it has been placed back on without submitting any evidence of the validity of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: WELLS FARGO & COMPANY
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Charged fees or interest you didn't expect

Complaint:
apply for a loan for small business. I was over charge with fees and overdraft fee as well money on hold for 10 business 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 2022-09-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is not a 3rd party! 

Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. 

Please review attachment!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation