BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: Comerica
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX XXXX checking account was denied XXXXXXXX XXXX  checking account was denied Comerica Bank checking account opened on XX/XX/XXXX closed XX/XX/XXXX called XX/XX/XXXX and had issue resolved through fraud protection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-07-29
Company: Atlanticus Services Corporation
State: UT
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: Card was charged for something you did not purchase with the card

Complaint:
on XX/XX/XXXX a charge was authorized for what was supposed to be shipping costs for $ XXXX.to XXXX XXXX VA On XX/XX/XXXX I found that an additional charge for XXXX had been made by XXXX XXXX XXXX XXXX I called them and they said it was a non refundable sweepstakes entry - never authorized. While I was on the phone with them a company called XXXX XXXX OR hit the account for XXXX. I immediately called ASPIRE and they cancelled the card and issued a new card. 
I also filed FTC complaint # XXXX. My XXXX statement had {$220.00} charges removed. But on my XXXX statement all 3 charges were back. I contacted Aspire on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The first 3 messages came back with the fraud division will contact you soon - but no contact. The 4th message gave me a phone number for the fraud division. Which claimed that I was notified on XX/XX/XXXX that they didn't accept my fraud claim- with no investigation that involved me, I. was not notified.. An hour and a half after I got the fraud phone number my account was cancelled The {$220.00} was taken by fraud and facilitated by the credit card company. I want my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EdFinancial Services
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Myfedloan, owned by PHEAA held my direct consolidated loan prior to them no longer servicing federal student loans. Prior to their terminating their student loan contracts, I requested all my payment history, and found that payments from XXXX of XXXX through XXXX of XXXX were all missing from my account. 

When I questioned them on this, they told me they had no record of these payments. When I indicated that I had payment confirmations ( for some not all, but also that those payments show up as being paid on my bank accounts ), they asked me to provide me with that info, which I did, and assured me that it would be looked into before my loans were transferred. My loans are now held with XXXX and they indicate they only have the payment history that was provided to them. Additionally, I had a {$0.00} payments from XX/XX/XXXX - until my loans were transferred, yet they don't properly reflect those as payment months. 

Additionally, iin XXXX MyFedloan wrongfully capitalized interest on my account because they treated me as if I recertified for my income driven payment plan late. In reality, a glitch occurred. I had gotten married and updated my name with social security. When I tried to link my income through XXXX 's website it said there was no match because the name from my loan servicer doesn't match that of the government records. I was then instructed that I had to update my name change with the loan servicer ( mind you, this just ocurred a month before my recertification ), which I did, but instead of extending my deadline because they had to process the name change, they kicked me off IDR, saying I recertified late, then made me reapply, and capitalized a sizable amount of interest on my account, totaling roughly {$4200.00}.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I NOTICED THAT THIS COMPANY MAY NOT BE IN COMPLIANCE WITH THE TRUTH AND LENDING ACT AND REGULATION Z OF THE FEDERAL RESERVE BOARD. I SENT THEM DOCUMENTS ABOUT THE PRICE THERE CLAIMING I OWE IS INACCURATE. I ASKED THEM TO PROVIDE THE APPROPRIATE ACCOUNTING RECORDS ACCORDING TO GAP. THIS COMPANY HAS FAILED TO PROVIDE THE DOCUMENTS REQUESTED. THEY HAVE BEEN THREATENING ME WITH HARASSING PHONE CALLS, THEY HAVE SENT OUT TOW VEHICLES TO REPOSSESS MY TRUCK. I HAVE BEEN RECEIVING HARASSING EMAILS AND LETTERS IN THE MAIL. THEY ARE CLAIMING I OWE {$20000.00} WHICH IS IMPOSSIBLE BECAUSE I GAVE THEM A DOWN PAYMENT OF {$10000.00} IN CASH.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXXXXXX XXXX  # XXXX, has violated my rights.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/2022, CITIBANK received funds I had transferred to them from my personal checking account to fund a Citi Accelerate High-Yield Savings Account. Per a Citi acknowledgement letter, funds were received by them on XX/XX/2022 and available XX/XX/2022. 

The above account was opened in response to a Citi solicitation mailing ( personal invitation code XXXX ) to receive a {$300.00} bonus if funds were received within 20 days of opening a Citi Accelerate High-Yield Savings Account in the amount of {$30000.00}, and the deposit maintained for an additional 60 consecutive days - all of which requirements were met. 

Approximately five or so weeks ago, I contacted Citi to inquire about the status of the {$300.00} bonus I was entitled to for opening the account. ; was told it would take a few more weeks to process. 

On XX/XX/2022, I contacted Citi again to inquire about status of the {$300.00} promo bonus; was told my account was opened in the " wrong package '' (???? ). Citi representative said account was opened in a Basic package (? ) not an Access package (? ) which was the one available for the bonus dollars. The Citi representative could/would not give me a clear explanation of what they were talking about. 

To reiterate, my account was opened pursuant the above referenced Invitation number ( XXXX ), and all requirements complied with. I have made arrangements to close the account, but feel I am entitled to the {$300.00} bonus .Nowhere in the literature I received from Citi is there any reference to different " packages. '' This sounds to me like and bait and switch scam, such that I would not have expected of CITIBANK..

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 2023-10-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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: In progress
Consumer complaint received 2023-08-18
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Credit acceptance received an affidavit for right to recession and refuses to respond to a lawful request. They continue to report this damaging information to the credit bureaus which is a violation of federal law.

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 2023-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 

Account Details : Name : XXXX XXXX Account Number : XXXX Collection Agency : XXXX XXXX XXXX Date of Initial Collection : XX/XX/2023 I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt. 
Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt.

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest.

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt. 

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature. 


I understand that, under the FCRA, I have the right to request this information, and the collection agency is obligated to provide it. Moreover, I am aware that the collection agency must cease collection activities until this validation process is complete. 

Please consider this letter as my formal request for the information mentioned above. I kindly request that you forward this request to the collection agency involved and provide me with a copy of the validation response within the statutory time frame specified by the FCRA, which is usually 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Aldous & Associates, PLLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am being charged a debt that is not mine. I was playing for XXXX XXXX and we were using a gym membership account. My Social Security was never provided. My address was never provided. I do not know how they got my information to assign this bill to me. XXXX XXXX was a professional team in Arizona, and it is currently closed down due to legal issues. They were giving players illegal green cards for them to participate in the professional league. The account that was opened with XXXX XXXX  was arranged by the club. The club was responsible for its payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Prosper Marketplace, Inc.
State: MD
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:
Went to use the card it was declined. Noticed multiple fraudulent charges on the account filed and nothing was ever done. Made contact with the office of the CEO and still nothing being done.

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 2022-06-09
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I reached out to Wells Fargo due to my car loan being thirty days late for the first time since I had the loan. I contacted the company and explained to them, I went into the hospital and was very XXXX Once I became aware of my surroundings, I remembered that the car note was not paid and paid immediately. I then contacted Wells Fargo and asked for a courtesy deletion. I explained that I am still employed and plan to return to work. Due to security, financial and credit clearances for my employer, I am required to maintain a certain credit score. This late item tanked my credit score over 100 points, which now puts my job at risk. I am in rehab and looking to return to work on a part time basis in the next 60days. My case is unique and I have documentation to prove what occurred. 

The represenative had me wait on hold for over thirty minutes and she came back on the line and told me she needed to take my information and get me over to the presidents office. Well needless to say, I never got over to the president office for assistance.

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 2022-12-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : UNKNOWN XXXX there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX 'S Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I did a mobile deposit with Wells Fargo on XX/XX/2023 by taking images of the check. After I deposited the check ( from my job where I have received direct deposit multiple times before ), I received a pop up notification that stated {$220.00} will be available on XX/XX/XXXX  and {$590.00} will be available on XX/XX/2023. I waited until the XXXX and no deposit was available with my account now in negative balance. I figured I would wait until the XXXX to give it an extra day since the notification said the other funds would be available then. I checked in today and saw that I was not only charged a {$35.00} overdraft fee ( which would have been avoided if the amounts stated above were deposited ) but that my paycheck still had not hit. 

When I called in, the automated system now said my paycheck was being held until the XXXX- so over a week later after depositing the check- with no heads up that this was happening. I finally talked to somebody who stated that the check was being held because the financial institution had not released the funds yet. If that is the case, fine, but don't have a pop up stating that the funds will be available on specific days. It's very deceiving to consumers to think their money will be available on the stated days their bank is telling them only to see that is not the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief