BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ON about XXXX XXXX, 2023 I disputed inaccurate information on my credit report with the following credit bureaus, EXPERIAN, XXXX, and XXXX, as of today I have received no response to my disputes. This is a direct violation of the FAIRCREDIT REPORTING ACT and the FAIR DEBT COLLECTION PRATICES. 

Pursuant to the FCRA and the FDCP the credit bureaus have 30 days to respond to a consumers dispute, they have failed to 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 explanation
Consumer complaint received 2023-05-29
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
We have a XXXX  XXXX XXXX in which the transmission has been not working for a year. We still owe XXXX on the car and our payments are {$590.00}. We have spoken to the finance company several times explaining this situation and no one is willing to assist with this matter. We were instructed by XXXX to contact consumer affairs to speak with them about fixing the transmission because we were told by a XXXX representative that the type of transmission in the XXXX models have failed and they no longer use those transmissions anymore. When we spoke with consumer affairs they had us tow the vehicle to the nearest XXXX dealership for inspection. They advised us that they will not fix it because the car is over XXXX miles. We are in the process of doing a voluntary repossession because we are paying a car payment on a inoperable car. The finance company sends emails to contact them to work something out with them but when we call there is not a solution and they tell us the only option is to turn the car back in. This situation is really hurting us financially and we really need help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TD BANK US HOLDING COMPANY
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:
I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mol 281 SW 715,719, I presumed that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: TN
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions 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 status incorrect

Complaint:
i have incorrect addresses on my report i have incorrect ammounts also and not my credit on my credit

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 2023-05-30
Company: PLS GROUP, INC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I tried to cash my check and was told since you always complain we won't help you and we will etch on your check and do something to it if you come back. I came on a different shift and a XXXX girl was there by herself, she told me I just deleted your check out of every pls and bank and sent it to a fraud agency because we don't want you here. I tired to go to XXXX and they said that she had deleted my check it falsely accused me of fraud. I called the fraud hotline and they said that the original fraud reporting pls had to remove the fraud off of my check and give me my cash. I also called the manager and she said that I have to file a court case against the girl who illegally scammed my check and to my face she was 1 of 3 girls who told me not to come back and that the district manager told them not to deal with me because I tell on them and complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: ADP Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the day of XX/XX/2023 my bank account was hacked and a total of {$1200.00} was taken from my checking account without my knowledge or authorization. According to the bank transaction record my money was taken from my account through several simultaneous atm withdrawals at an atm located in a XXXX store approximately XXXX miles from my physical location at the time. I have already contacted the bank that manages my account, but they are not at all willing to help me in any way or investigate the case properly. They also made the mistake of depositing my most recent paycheck into the very account that was compromised and now they are refusing to give me the money from my paycheck that was deposited into the hacked account. The current balance in the account is {$500.00} and they are refusing to give it back. This is the second incident where my account from this very same bank was hacked and my money taken. The name of the banking company is Wisely by ADP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions 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:
I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( 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 explanation
Consumer complaint received 2023-07-28
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 non-monetary relief
Consumer complaint received 2023-05-29
Company: ALLY FINANCIAL INC.
State: GA
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:
I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation

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 2022-12-17
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:
This is a Follow up to my complaint last XX/XX/XXXX, XXXXto update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX  Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Bread Financial Holdings, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving calls multiple times a day by Comenity Bank, despite the fact that I owe no debt to them and have tried to be removed from their call list. I get calls at all times of the day on a regular basis and they will not stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There has been some inaccurate information reported on my file.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On or about XX/XX/ I disputed inaccurate, incorrect and fraudulent information that was placed on my credit report. I contacted the following credit bureaus EXPERIAN, XXXX, AND XXXX, PRESENTLY I HAVE RECEIVED NO ANSWER, this is a big violation, pursuant to the FAIR CREDIT REPORTING ACT and the FAIR DEBT COLLECTION PRACTICES, anytime a consumer files a dispute with the credit bureaus, the credit bureaus have 30 days to respond. As of this date XX/XX/ I have received no respond ......

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 2023-05-29
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Please see previous CFPB complaint filed against CITI BANK XXXX After a very stressful and tedious process with CITI BANK to receive a replacement on an expired credit card, CITI BANK has established a FRAUD HOLD on my account that requires me to answer many unnecessary or already document questions in order for the credit card company to approve purchases charged to my open account. One question in particular is repeatedly asked of me " Do you have a Citi Checking or Savings account? '' I am repeatedly asked for various phone numbers for verification.

CITI Bank continues to discriminate against me as a customer. No one else has access to use my credit account. CITI Bank did not disclose that I would have to continuously pass through FRAUD examinations before I can use my account. This is a highly discriminatory practice. I will file a complaint with the FDIC and also write the U.S. Congress about the CITI Bank 's aggressive tactics and creating excessive, unnecessary barrier to access open credit account.

Furthermore, I will begin the process of looking into a campaign to start a class action lawsuit against CITI Bank regarding it discriminatory practices towards its consumers.

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 2023-05-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have 9 transactions all for {$100.00} charged from this company : PURCHASE AUTHORIZED ON XX/XX/05 XXXX XXXX XXXX XXXXXXXX XXXX XXXX from XXXX to XXXX. I whole heartedly believe that Wells Fargo didnt even ATTEMPT to do any research before denying my claim. This is utterly ridiculous, and they should be ashamed of themselves for their deceit. Had they in fact did their job and investigated, they would see I have never signed up for this company and not have denied my claims. I am going to take this further if I do not get this resolved.

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 2023-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
Credit card company Capital One is reporting accounts as 30 days late in XXXX and XX/XX/2020 during pandemic when current account was not supposed to be reported as late if current accounts made payment arrangements according to the Cares Act of 2020 Section 4201 I have been disputing this information with letters to Capital One and also the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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: 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 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 2023-05-29
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1.Account Name : JEFFCAPSYS Account Number : XXXX 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 2. Account Name : JEFFERSON CAPITAL SYST, ACCOUNT NUMBER : XXXX Why is there two accounts reporting with abbreviation of name and XXXX not with the whole account number? Is this done intentionally to damage my credit report even more?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Block, Inc.
State: VA
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:
2 transactions XX/XX/XXXX XXXX XX/XX/XXXX XXXX Total XXXX XXXX was deposited to cash app account After XXXX was left Literally 5 mins after money was In my account But I have had money in my account before and this hasnt happened and these are old transactions that they are waiting for you to have enough money to take I have Screenshots of text messages sent but no transaction showing on the app XXXX said they were told it was a system issue and to have us call cash app but no one will help you get a generic answer saying someone will contact you in 10 days, And that you should know something before 45 days only to be denied a refund there is no manager to talk to only an email Multiple people have been saying this happened to them so they are aware of the issue for months to my knowledge there was no email sent out or social media post made about a system issue so how could anyone know what is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Georgia Student Finance Authority
State: GA
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:
I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : XXXXProof that you either own or were assigned the debt from the creditor XXXXProof that you have the right to collect this debt in my state XXXXProof that your company carries a bond XXXX.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor XXXXName and address from the original creditor XXXX.Copy of the original contract bearing my signature Thank you for your time and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
All transsation from XXXX are being denied by truist bank. I have went to the branch office and sat for XXXX hourd to try a correct this problem. Now any transcartion online is denied without explanation. This undeserved action by truist bank is affecting my credit rating..This action by truist bank is highly undesirable banking practice. I am afraired of -what =next with this bank. I hace tried their corp office. I got an very poor and unproffessional response/ I have no where else to turn Your help is deeply apreciated Thank you, 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 2023-05-30
Company: ALLY FINANCIAL INC.
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:
I have a loan with Ally Auto. I did not receive any statements, late notices, or could even access payment history or a balance on their website, yet they reported me 30 and 60 days late. Again, they did not send any notices.

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