BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX did not investigate issue properly. I received notice that your company received feedback from XXXX. However, the feedback was false. The account was verified quickly and I did not have my allotted time to reply before it was quickly closed. I also received a letter from XXXX dated XX/XX/22 requesting my personal information. This is to send to XXXX to add in their database. XXXX can not furnish me with account information and I'm in good standing with XXXX. The letter received after the Holidays requesting information was sent after stating investigation complete. This account is bogus. The dates and status has been changed more than XXXX. It first showed XXXX and now showing XXXX also which was added later. My rights has been compromised several times. I can not dispute online with XXXX. They've since change account so I can create XXXX, however, keep getting error invalid password or username after updating both several times!!!

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 2022-12-22
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
New York State Division of Child Support, Transunion, XXXX, XXXX XXXX, and XXXX has repeatedly ignored my request to remove the inaccurate account from my personal private consumer report. By not doing all aforementioned parties are in direct violation of the following laws : 42 U.S.C. SECTION 666 ( 7 ) ( i ) Reporting Arrearages to Credit Bureaus- ( i ) only after such parent has been afforded all due process required under State law, including notice and reasonable opportunity to contest the accuracy of such information. And 15 U.S.C. 1681 ( A ) ( j ) ( 1 ) ( 2 ) ( j ) Definitions Relating to Child Support Obligations ( 1 ) Overdue support.

The term

overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) St
ate or local child support enforcement agency.

The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. And 28 U.S.C. 3002 Definitions : ( 4 ) Debtor means a person who is liable for a debt or against whom there is a claim for a debt. And Supreme Court of the United States Court - Child support agreements are equivalent to interstate contracts and rejecting the idea that child support payment obligations are somehow " different '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Court of Appeals XXXX XXXX XXXX XXXX XXXX XXXX And United States District Court District of Minnesota XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a letter from the IRS stating that I owed over {$3000.00} dollars to USAA. I immediately called USAA. I was transferred repeatedly in regards to this issue and did not get any closer to resolving it. I was told I had a savings account that was overdrawn by over {$3000.00} dollars in XXXX I never had a savings account with USAA and I never had any sort of money in a savings account. The IRS received a 1099c ( I had never even heard of such a document until this morning ) from USAA and now the IRS is saying I owe that to them as taxable income. I have never in my life received a 1099c from any entity. The IRS is now coming after me saying that it is taxable income when my SSDI/VA benefits are not taxable. I have not filed taxes since my income is non- taxable. I had fraud on the account and took all necessary steps with USAA to close all accounts. I have not had any dealings with USAA until today when I found out the reason for the IRSs letter. 

I had no idea what was going on until I spent almost 2 hours on the phone with the IRS and then immediately called USAA in which I was on the phone for over 2 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CITIBANK, N.A.
State: AZ
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:
On XX/XX/2022 I went to an XXXX XXXX in XXXX to finance and audio system for my truck. Their financing partner is Brandsource by Citibank. The system was {$4100.00}. Immediately after getting my truck back I texted XXXX XXXX to state I wanted to return the system as the head unit they recommended was malfunctioning and had mutlipe issues. The store refused to allow me to return the merchandise and only offered to look at it in the shop. To this day the unit continuously malfunctions. Some things I've experienced are : audio muffled, audio blasting, absolutely no audio coming out, phone constantly dropping from wireless connectivity, screen freezing, and others. In order to fix whatever is happening I have to pull over, stop the engine, and then restart the engine. This has resulted in many situations where I'm on the highway and I just don't get to use the device I paid a lot for because I don't have time to pull over. It's a very disappointing situation being stuck with defective merchandise in my truck that I drive much more frequently than the average person, especially at the high ticket price I've had to continue to pay. I disputed charges with Brandsource and they denied my claim.

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 2023-02-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to contact the company on numerous occasions to discuss the debt. This debt has been removed from XXXX and XXXX but still lingers on XXXX. I don't owe Midland Funding any money nor have I signed a contract with them informing that I owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I pay Fay Servicing {$500.00} in escrow each month. The company failed to make a timely payment to my insurance company resulting in lapse of coverage. I suffered a loss after the insurance account was lapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 repaired : 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 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 2023-01-19
Company: Upgrade, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/2023, XXXX took an unauthorized debit of XXXX from my checking account with XXXX XXXX XXXX XXXX XXXX. My payments with XXXX are due on the XXXX of every month. I receive my statements from Upgrade notifying of my payment due on the XXXX. I was given no notice from Upgrade of any pending debit from my checking account scheduled on XX/XX/XXXX. Even though it was XXXX, I was overdrawn on my checking account and their unauthorized debit caused me to incur another {$30.00} overdraft fee with my credit union.

I immediately notified my credit union that this deduction from Upgrade was not permitted. And I immediately chatted with someone on Upgrade. In the chat, which I saved, the agent acknowledged the transaction was a billing error and she then directed me to call the Upgrade XXXX XXXX. I did so and spoke to XXXX who also reviewed the error and assured me they would reimburse me the {$30.00} fee directly into my checking account. He instructed me to obtain a PDF statement from my credit union showing that Upgrades withdrawal error caused me this fee. 
I immediately got the statement from my credit union and forwarded it to the email address given to me by Upgrade. I called again the following day to receive acknowledgment that the pdf was received. I asked for XXXX again but was sent to someone else entirely. They said it would be reviewed and I should have the {$30.00} reimbursed within the week. It has now been XXXX full weeks and Ive received nothing from Upgrade. They have not reimbursed me the {$30.00} fee they caused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have deposited an amount of {$10000.00} ( XXXX dollar bills ) at one of the Wells Fargo ATM machine. The ATM machine started counting the bills shown on the ATM screen. After counting {$7800.00} or so machine stopped and screen frozen. After some time ATM machine returned {$5600.00} and deposited {$3000.00} only into the account. The ATM machine eaten up {$1400.00}. When this happened I called Wells Fargo toll free number found on the ATM machine while I was in front of the ATM and complained about the issue. The person on the line filed the complaint and mentioned that an investigation will be initiated on the matter.

Wells Fargo credited {$1400.00} while they were investigating however they debited the same amount saying they couldn't find the money upon doing the calculation.

I have reopened the case and file another new complaint with same response from them.

I found many flaws in their investigation and pointed it to them however they kept the same statement and didnt try to go any deeper.

I also called the CEO office to escalate but wasn't able to reach anyone to escalate the issue further.

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 2023-04-24
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: 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. Equifax is 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 update them immediately in my report : XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX  Balance : {$770000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Open Date XXXX XXXX, XXXX  Balance : {$280000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions 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: 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. Experian is 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 update them immediately in my report : XXXX XXXX  XXXX XXXX Open Date XX/XX/2021 Balance : {$770000.00}, XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/2021 Balance : {$390000.00}, XXXX XXXX  XXXX XXXX Open Date XX/XX/2021 Balance : {$280000.00}

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please see the attached letter from XXXX XXXX  as well as the universal data form and update the account that is reporting inaccurately. The account is XXXX XXXX XXXX XXXX XXXX. The late payment for XX/XX/2020 should be removed and updated immediately. The company has agreed to a goodwill amendment.

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 2023-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Attached you will see XXXX XXXX transactions that were sent to me on Tuesday XX/XX/2023. Neither of these were deposited into my account until this morning but with yesterday 's date. The email attached from BOA states the funds will be in my account in XXXX minutes, it took almost XXXX hours.

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 2023-04-24
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:
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. Please delete the accounts : XXXX - XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$2500.00}, XXXX - XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Spoke with several times over the previous 5 weeks about account being reported as 30-59 days late for XXXX. Account was changed to good standing but XXXX late payment is still on credit report so the underwriters on our mortgage want it fixed in order for my mortgage to go through.

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 2023-04-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/, I submitted a dispute with XXXX regarding XXXX. However, it has been well over 30 days and I have yet to receive a response from XXXX regarding my dispute. This delay is causing me undue hardship and is hindering my ability to reach my financial goals. As a result of this delay, I have been unable to secure the financing necessary to start my business. This has been a major setback for me and has caused significant stress and frustration. I urge XXXX to comply with the Fair Credit Reporting Act and respond to my dispute in a timely manner. I am requesting that XXXX provide me with a written explanation of the investigation and resolution of my dispute within 15 days of receipt of this letter. Additionally, I request that any inaccuracies be removed from my credit report immediately. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, 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 2023-03-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Wells fargo has broken many laws in regards to my Vehicle Here is the main law that is broken within the contact Usc 1605 : States that Life, accident, health and life insurance is supposed to be included in the Finance charge. This is not the case and this is a MAJOR VIOLATION! 


Usc 1635 : states that a consumer has a right to rescind the contract if certain guidelines aren't met. The creditor is to legally inform a consumer of their right to rescind and they have 3 business days. If the consumer is never notified, they have 3 years. On a recorded line Wells fargo stated, they dont have to follow these U.S. Laws. I sent my paperwork for rescinding the contract and ceasing and desists, but they have repeatedly denied it. I am following up with a lawsuit against wells fargo. 
They were just fined {$3.00} XXXX for deceptive business practices. I refuse to back down from a company who is still breaking laws. 

THIS CONTRACT NEEDS TO BE TERMINATED, REMOVED OFF MY CREDIT PROFILE AND THEY OWE ME MONEY BACK! 

Please read these laws for yourself! 15 USC 1605 15 USC 1635 I HAVE A PENDING LAWSUIT AGAINST THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: CL Holdings LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A XXXX XXXX branch has repeatedly placed fraudulent credit debt collection accounts for an amount that i do not owe, is highly inaccurate, and i am not accountable for. I had a XXXX phone account that was payed and ended in XXXX. The final bill was {$310.00} and I payed it and later ended my service. The company proceeded to illegally give my email, current account and following current number I had rights to by the service contract while it was still in use to another person. Then proceeded to bill and place a false report on my Credit for an amount of {$730.00}. This was taken down in XXXX due to fraudulence and inaccuracy by XXXX As XX/XX/XXXX they place another false credit report of a account debt collection for {$710.00} through another state. I have already tried to contact the company and deal with the problem during XXXX and I even did ask for a corrected amount to the account that I had payed during the final {$310.00} and to get the account info they where using and they not only denied services when I co-operated while willing to pay a reasonable amount to resolve the issues in a proper manner for services that i didnt even have. But Their info was also entirely incorrect on their company side down to who's name was on the phone number tied to the account to inaccurate amounts while having my ID in their services falsely blacklisted with incorrect info. I am at the point where I will no longer try to co-operate with them and would rather sue them for fasely ruining my credit and report their illegal actions.

Company response to consumer: Closed with explanation