BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: ALLY FINANCIAL INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I made a call to XXXX about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXXALLY FINANCIAL INC XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX, NC XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX Ran unauthorized inquiry on 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 explanation
Consumer complaint received 2021-11-23
Company: Mesa Auto Finance, LLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account # XXXX This is a notice to cease & desist. MESA AUTO FINANCE LLC has violated my rights according to the Fair Credit Reporting Act, Section XXXX, Permissible purposes of consumer reports { 15 XXXX, 1681b }. You guys are practicing illegal debt collection practice. A debt collector is those who regularly seek to collect debts. I am the original creditor/consumer, in order for a consumer reporting agency to add anything that must get my permission to do so and i didnt give you guys permission. I define myself as a natural person and not a corporation therefore, I have the right to defend myself and tell you guys what to put on my consumer report and what not to. Also, XXXX XXXXXXXX XXXX  ( p ), I did not authorize you to get my information. I am demanding that you guys stop illegally reporting to all consumer reporting agencies and all forms of communication. Take this off of my consumer reports AS SOON AS POSSIBLE. This is an alleged debt I am not paying anything. This is the first step of litigation. So if you don't honor this cease & desist and honor my demands I will pursue litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Southwest Business Corporation
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:
XXXX - XX/XX/2020 we had our mortgage loan refinanced with XXXX XXXX XXXX XXXX ( XXXX  ) and closing SWBC Mortgage. During the process SWBC is showing us 30 days delinquent in XXXX 2020 where are loan was closed by XXXX. We tried sending SWBC the information showing them this was taken care of. SWBC refuses to help us with this situation and after talking with people at SWBC they even admitted this was in error therefore, whoever is doing the background check for this delinquent time frame isn't doing their due dilingence. We need help in getting this resolved as our loan has been paid in full from XXXX  to SWBC and the removal of delinquency should be reversed especially during this time with the coronavirus as we're unable to go into SWBC to try and get this resolved in person. Please help my husband and I XXXX and XXXX XXXX have this rectified as it has made a huge bad impact on our credit report. thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They texted me stating is an attempt to collect a debt for Southwest Credit. I do not know who that is nor have I ever opened an account with them. I do not trust a debt collector coming through text messages either. The number it came from is XXXX. Happened on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/2021, XX/XX/2021, and XX/XX/2021 I sent letters stating, " I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Last week I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! In accordance with XXXX, Section XXXX, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. '' XXXX, XXXX, and TransUnion have not given me any document of my hand signature or any other documents showing proof that any debt belongs to me. Please investigate and help resolve this matter, thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I am reporting about XXXX XXXX  refusal to take action regarding an unauthorized electronic withdrawal on my account. 

The saga began last XXXX when my XXXX checkbook was stolen. Among other problems, an unauthorized electronic withdrawal of {$140.00} occurred using the numbers from the checks. The following month I submitted the necessary forms to XXXX both electronically and via registered mail. I also reported the crime to my local authorities which XXXX advised me to do. 

Since then I have done everything in my power to have this matter resolved resolved and to work with XXXX XXXX. 

Despite my continued attempts at polite communication with XXXX, as well as resubmitting the form several more times, my account still has not been credited. Nor will XXXX communicate with me as to why.

In addition, a local Deputy was actually able to identify a suspect. However XXXX XXXX  refused to comply with a subpoena. The sheriff was trying
to attain the IP address that the thief had used, which was necessary to complete an investigation. Only XXXX has this information ... but they refused to give it to me either. 

You can see the dead end I found myself in! That is why I am thankful that you have the power to step in and resolve this matter. 

Please do not simply refer me to customer service at XXXX. I have been around that circle many times. To give you an idea, Ill describe my most recent interaction with XXXX  ... 

After sending the attached email to XXXX XXXX, addressed to CEO Mr. XXXX, I received a call from a manager. I actually was impressed that XXXX responded! However the woman calling me was only vaguely familiar the email. I suggested she take some time to read it over ( if youve read the email you know where this is going : - ) ). I never heard back. 

Besides what Ive attached there is much more I could send If it would be helpful there are all the other emails Ive sent to XXXX as well as phone records, in case youre interested in seeing how persistent Ive been! I could also give you the info I submitted to the sheriffs department, or forms regarding the check fraud, and so on! 

Thank you so much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Based on information and belief this is not my debt. I am a victim of ID Theft and informed this company of that twice. They are still reporting this false information on my files. I never received any notice from them concerning this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2021, XX/XX/2021, and XX/XX/2021 I sent letters stating " I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Last week I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! In accordance with XXXX Section XXXX, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. '' Equifax, XXXX, and XXXX have not given me any document of my hand signature or any other documents showing proof that any debt belongs to me. Please investigate and help resolve this matter, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/2021, XX/XX/2021, and XX/XX/2021 I sent letters stating " I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Last week I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! In accordance with XXXX, Section XXXX, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. '' XXXX, XXXX, and TransUnion have not given me any document of my hand signature or any other documents showing proof that any debt belongs to me. Please investigate and help resolve this matter, thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Another discrimination case proving Wells Fargo XXXX is Highly Opposed to People on Fixed Incomes who are also XXXX. I logged on to wells fargo.com whereby my husband wrote a secure email REQUESTING A REPLACEMENT Check/Debit CArd because his strip does not work and card is physically cracked. The wf c/s rep.did not read correctly the message so she ordered me a NEW card in ERROR. I tried writing to this rep to explain her error, but she still did not understand. How sad. Then a different rep contacted me telling me my husband had to request the card himself. I wrote back and told him, MY HUSBAND did request it himself ; he would understand that if he read it English. Then he tried to tell me my husband has to submit the request by logginin online himself. In our house we all use same email, and same login for wells fargo for allof our accounts. So Sorry if he does not like the way we handle things, but that 's how we choose to do business, and we have NEVER been told we could not do things this way. 
See documentation of back and forth communication via secure online email. The last emails I do not have a copy of but wells fargo XXXX does. Finally we got a change to stop by the local Wells Fargo bank at XXXX mall to have him in person request it. XXXX XXXX waited on us and she checked online notes in system, NO ONE EVER ORDEREDhis replacement check/debit card. So gave him a temp card, plus ordered replacement. When my new check card arrived XXXX ) which was ordered in ERROR, my ATM w/d limit is {$510.00} and my daily pos limit is only {$1500.00}. When XXXX check/debit card finally arrived XXXX the ATM w/d limit is {$310.00} and HIS daily XXXX limit is {$2500.00}. Wow our account together barely gets used for {$300.00} per month. Yet my checking account which ends in XXXX is seeing transactions per month in excess of {$2000.00}!! So why is my POS daily limit so low and ours together is so much higher???? More discrimination proof. See my other Auto Refinance Loan Case Currently OPEN with Consumer Protection Bureau. see attached documentation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this XXXX  complaint myself. I have been patiently waiting on Equifax 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my American Express card to book a flight with XXXX XXXX through American Express Travel agency. This was an international flight booked in XX/XX/2020 for a flight departing XXXX on XX/XX/2020. 

On XX/XX/XXXX, XXXX XXXX XXXX closed down to fight off the COVID-19 pandemic. XXXX XXXX  cancelled the flight around XX/XX/XXXX without offering refunds. I called AMEX and did not accept their offer to re-book at a later date without a penalty. I specifically asked for a refund. Nonetheless, Amex at the behest of XXXX XXXX, left the ticket open. By then XXXX XXXX had directed passengers who booked through travel agencies, online or otherwise, to work with the travel agency to re-book the flight. 

The US DOT has since then issued a directive that states all domestic and international air carriers who have cancelled flights due to the COVID-19 crisis are to issue refunds unless the consumer wants to re-book at a later date. 

I contacted American Express Travel three times since XX/XX/XXXX asking for a refund. They have unequivocally stated that XXXX XXXX is not offering refunds therefore they can not issue me one. This is despite the standing directive from the US DOT. American Express proceeded to charge me for the flight. 

In addition, Amex Travel does not provide me with an email confirmation detailing my complaints with them. 

I have attached the flight itinerary and the Amex billing statement. ( see page 5 for the charge ; page 3 breaks down the charge as billed to rewards points and cash )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: HW Holding, Inc
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, I sublet an apartment through estate management. Upon moving out, my security deposit was applied to a balance that I allegedly owed. After learning of the charges I found out that I was illegally charged for my service animal. I contacted XXXX XXXX and Informed the manager that I believe I was mistakenly charged for my service animal. The manager told me that she was new and the former manager no longer worked there. She said that she could not find anything about me having a service animal. I let her know that I showed my service animal Identification card to the former manager and that I could also provide it to her as well. Although I provided her with my service animal documentation, as well as XXXX XXXX laws regarding service animals, she refused to adjust the balance. She claimed that I never had information of a service animal on file with the apartment complex. I explained to her that I did in fact provide documentation to the former manager and I that under XXXX laws, even if I am to provide my documentation at a later date, the charges have to be adjusted. She told me that the balance could not be adjusted and it was up to the collection agency. I contacted the collection agency explaining the situation and they informed me that all they needed from her was to update the balance on her end. I called her back and explained that and her answer was okay. She never did it and this debt is affecting my credit. After explaining all of this to XXXX XXXX with documentation, they still did not change the balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08
Company: Navient Solutions, LLC.
State: KS
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:
-As of XX/XX/2020 I checked my credit report which stated I had a score of XXXX. 
XXXX XX/XX/2020, I checked my credit report which stated I had a score of XXXX. 
-The only thing that has been done differently in that short time frame is contacting my loan services for deferring my payments for my student loans.

*As part of the coronavirus relief bill passed through Congress and signed by President Donald Trump on Friday, lenders must stop all payments for federally held student loans through XXXX XXXX. During that time, interest will not accrue on the loans and nonpayment during that period can not be used to affect credit scores or a persons qualification for loan forgiveness. According to the bills text, each month for which a loan payment was suspended will be treated as if the borrower of the loan had made a payment. 
-source : United States Congress -Now they are negatively impacting my credit score in violation of an act of congress.

-The credit reporting agency also failed to protect me under the maximum accuracy provision of the FCRA 16 USC 1681 et al by not insuring that the student loan servicer complied with all the relevant rules required by the FCRA XXXX 
-As such, their reckless, wanton, and disregard for the rule of law has now adversely impacted my credit score, as such I am continuing to suffer irreparable harm by the acts committed and recklessness by the CRAs and Navients solutions LLC .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: WELLS FARGO & COMPANY
State: DE
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/2016, I received a response from Wells Fargo about my account Project Visa XXXX and XXXX today XXXX. The response did not address any of the issues that I raised.The investigator just wrote a short response and printed a bogus transaction history. She claimed that I was 180 days late, but the history did not show that. The history showed that I paid in timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a Wells Fargo pre-paid credit card in hopes that I could rebuild my credit score  after XXXX. I deposited the required amount and was promised that after XXXX year I would receive my deposit back and an increased line of credit. That did not happen. The terms of my original agreement changed. I disputed this change with Wells Fargo and was told that my available credit limit ( lower than my deposit and the terms ), was to high to allow me to advance my card to a regular credit card. It took me multiple years to get my pre-paid card to turn into a credit card. Additional problems, fees, and credit reporting problems have occurred. I currently have a high credit score and Wells Fargo was misleading, years after opening this card effected my XXXX XXXX negatively with no missed payments, and overcharged me for interest percentages that were supposed to reduce when I completed the XXXX year of pre-paid and transitioned to actual credit card.

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