BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: Payfare International Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a XXXX grocery delivery order on Sunday XXXX XXXX. Some how the app glitched and still took my payment. XXXX had no record or my order and issued a refund. Still hasn't posted to my account. XXXX said the money should be available to me by now, it cleared their program and bank 2 days ago. This is not the first time this has happened to me but with first time with my XXXX card. Powered by XXXX and issued by XXXX  XXXX. I called XXXX support and they told me Monday and then I questioned that and they said I have to wait for it to fall. The first time I waited 10 days. I have another card issued by XXXX XXXX and have zero issued with this card. I feel this program for XXXX  is holding the money longer and it's not theirs to hold. 
Called XXXX  support and keep getting a script for them all. They have done nothing for me on the first issue and nothing on the second. They should be audited for fraud! 
I have also made a formal complaint with XXXX XXXX  in the phone and in writing. 
I need my money and they are holding it illegally. I can not see anything on the pending transaction except pending and the date it was made. 
Note : XXXX and XXXX XXXX have been doing an awesome job working with me. This complaint is for XXXX by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ADS COMMENITY has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: VW Credit
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Audi Financial Services is trying to collect property tax, on a non-producing leased motor vehicle, leased by me and my business jointly as reported to the credit bureaus by them. 

Pursuant to XXXX  XXXX XXXX / XXXX XXXX / Part XXXX / XXXX  XXXX / Sub-chapter C / Rule XXXX which refers to XXXX XXXX XXXX for XXXX XXXX XXXX XXXX, I strongly claim the application of the law, after submitting Form XXXX as described on paragraph XXXX ( Lessees Affidavit Motor Vehicle Use other than Production of Income sent to Audi Financial Services on XX/XX/XXXX. 
In Texas where I reside, and where the XXXX XXXX XXXX XXXX XXXX was contracted, Leased vehicles are not subject to property taxes unless they are used primarily to generate income. While Texas starts with the premise that all property is taxable, unless exempt by state or federal law, Texas exempts leased vehicles from property tax, unless they are used primarily to generate income. 
Texas does exempt leased vehicles that are not held for the primary purpose of income production by the lessee. These vehicles include passenger cars or trucks with a shipping weight of not more than XXXX pounds and leased for personal use. Personal use would mean using the vehicle for more than XXXX percent of its use ( based on mileage ) for activities that do not involve the production of income. The exemption applies only to vehicles subject to a lease entered on or after XXXX XXXX, XXXX. 
The law does not specify in any sense the type of lessee, and only mentions non-producing vehicle based on mileage like this this case is clearly qualified having just XXXX miles after more than XXXX years by my wife. 
On XX/XX/XXXX I received a telephone call by one of your customer service representatives days after I communicated the facts to Audi Financial Services, and she exposed a completely erroneous situation, with a lack of foundation and which is a breach to the law by the area handling this Affidavits. The lady on the phone exposed confirmed that the area did not have the Affidavit, since it was lost potentially, by them. She also exposed that in any case this vehicle was not subject to the exemption since the contract executed, by my business and myself was merely intended, as a benefit from the business to an XXXX. 
The later is completely non-sense, since the Texas XXXX XXXX addresses the vehicle and in no way limits a non-producing vehicle to the type of client. Therefore to qualify for the exemption, the XXXX XXXX XXXX could be leased by a business, and assigned for personal use as a benefit, or by an individual and used for personal purpose. 

Audi Financial Services is trying to collect the tax from the client after loosing the Affidavit I sent months ago, and after even offering them to replace it if they lost it since it looks they mishandled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 I opened a Citi Accelerate Savings account online with the rate of 1.0 % interest rate and 1.01 % APY. I have deposit {$130000.00} in this account. The XX/XX/2022 statement only paid 0.6 % ( {$56.00} ). The XX/XX/2022 statement only paid 0.89 % ( {$99.00} ). I called Citibank to inquire about this error. The XXXX said they can change the rate at any time and that is why it only paid 0.6 % and 0.89 %. I told them I have checked my account XXXX times a week since opening the account and it stated 1.0 % every time. They told me too bad but that is how it works. This is a clear case of bait and switch. They have been advertising this interest rate for WA and other state residents for months. Citibank has also not allowed me to link my account to other external bank accounts so that I can withdraw money. They message says access blocked every time I try to link an external bank account through 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 2022-06-08
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:
I had disputed the following three accounts with the three bureaus over the past 6 months, sending three letters requesting validation as well as incorrect information. Each time I get a response back verified without sending me the information I specifically asked, how did you validate? Show me proof. Show me a signed contract with my signature. These three accounts have different information reporting on all three bureaus which also violates my consumer rights. It has been three letters to no fix so now I am asking for a full DELETION of these 3 charge off accounts asap. 

I am enclosing a copy of the most recent letter sent to all three bureaus. 

XXXX. XXXX XXXX XXXX reports last payment on XX/XX/XXXX and XXXX ( No lates ) ; XXXX  reports last XXXX of XX/XX/XXXX with one 30 day late in XX/XX/XXXX ; experian reports CO since XX/XX/XXXX with no last payment date. 
XXXX. XXXX XXXX XXXX reports 100 % paid on time with last payment on XX/XX/XXXX ; XXXX  reports XXXX late payments and last payment on XX/XX/XXXX ; experian reports first 30 day late XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX shows late In XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment on XX/XX/XXXX ; XXXX shows late XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment XX/XX/XXXX and experian reports late XXXX, XXXX and XX/XX/XXXX with collection XX/XX/XXXX with no last payment date. Experian also reports this as a insurance claim or terminated for default ( not true being I have the furniture In my home ).

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 2022-12-04
Company: Kikoff Inc.
State: IL
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX bank # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights, kikoff # XXXX  has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 ( a ) ( 2 ) it also states a consumer reporting agency can not furnish a account with my written instructions.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Checkr, Inc
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Checkr stated they gave the same report to XXXX as they did me on XX/XX/XXXX with correcting an arrest record from a dispute making everything on the report 100 percent clean and clear as they stated in last reply to CFPB However, for the 6th time I heard from a supervisor, see below. This doesn't sound like an individual that received a clear report and Checkr has not made me aware of any other report past the one from XX/XX/XXXX that has absolutely nothing but the words clear on it. That's six supervisors that have told me in writing they have not seen a corrected report. Quote below from XXXX at XXXX this morning. 


Hi XXXX, This is XXXX, one of the supervisor from XXXX XXXX XXXX XXXX. 

We took a look at your account and your request for access to XXXX driver platform was denied based on the results of a background check. You shouldve received this update in an email from Checkr. That message contains a copy of your background check report and also outlines your right to dispute the results by replying to the email. 

If you have not received a copy of your background check report, you can request one by signing into the Checkr Candidate Portal. 

Let us know if you have any other questions. 

Thank you and stay safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions

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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 : XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX 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 a account without my written instructions.

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: Experian Information Solutions Inc.
State: DE
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 XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602a states I have the right to privacy.

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

15U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-11-23
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I tried making payments and I was repeatedly getting very aggressive phone calls from the collections agency. They were calling me about XXXX  times a day, after I had discussed I was able to make XXXX dollar payments and tried to settle.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im the cosigner on a XXXX XXXXXXXX XXXX XXXXI cosigned last XXXX and this company reported a payment over 30 days late. On numerous occassions i told them since i was the grantor of the loan for payments when not made by purchaser I was guaranteeing the monthly payment of XXXX. I wanted to be notified even if a day late plus receive monthly statements .They said no problem and would do it never received notice for any missing payments and i made one in XXXX when it gave me notice on credit monitoring. I made the paynent and told them to plesse notify me by phone text or mail. They send me emails about howvdo i like service but cant send me one when its late and they intentionality make sure im not notified and it goes in default. My credit score was over XXXX when i guranteed the payment. The two days yhey reported late i was hit for XXXX points. I dont get any statements and they intentionality made it late without notifying me. A payment was deferred in XXXX. The initial buyer who i cosigned for set up withdrawls from her bank account bi weekly and to apply it on the due date. They didnt do it by weekly they did it either 5 days before or after due date.as grantor of this loan to not be notified is fraud on there part for they forced it into being late without any notifications to me. They didnt deny my ability to pay wheni called to inquire. I cant Force the buyer to turn in if she cant afford but cant maje payments if im not made aware of delinquency. I dont ike there whole way XXXX  Financial services handled this loan and the many problems we have had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had disputed the following three accounts with the three bureaus over the past 6 months, sending three letters requesting validation as well as incorrect information. Each time I get a response back verified without sending me the information I specifically asked, how did you validate? Show me proof. Show me a signed contract with my signature. These three accounts have different information reporting on all three bureaus which also violates my consumer rights. It has been three letters to no fix so now I am asking for a full DELETION of these 3 charge off accounts asap. 

I am enclosing a copy of the most recent letter sent to all three bureaus. 

XXXXXXXX XXXX XXXX- transunion reports last payment on XX/XX/XXXX and XXXX ( XXXX XXXX ) ; XXXX  reports last payment of XX/XX/XXXX with one 30 day late in XX/XX/XXXX ; XXXX  reports CO since XX/XX/XXXX with no last payment date. 
XXXX. XXXX XXXX XXXX XXXX 100 % paid on time with last payment on XX/XX/XXXX ; transunion reports XXXX late payments and last payment on XX/XX/XXXX ; XXXX  reports first 30 day late XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX shows late In XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment on XX/XX/XXXX ; transunion shows late XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment XX/XX/XXXX and XXXX reports late XXXX, XXXX and XX/XX/XXXX with collection XX/XX/XXXX with no last payment date. XXXX also reports this as a insurance claim or terminated for default ( not true being I have the furniture In my home ).

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 2023-08-27
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) at letter on XX/XX/2023 & I never heard back from this company within the guidelines of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: FIRST NATIONAL BANK OF OMAHA
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In good faith I opened via their mobile a savings account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX only later to learn that my application was denied : " We're Sorry. Unfortunately, we're unable to approve your request for an account because it did not meet our bank 's requirements. These requirements include but are not limited to identity verification. We did not perform a credit check and your credit was not a factor in this decision. We appreciate you considering us for your banking needs. '' I then sent an email to : XXXX asking if they could please tell me what on the application is causing this denial to a no minimum balance savings account that I wish to open and what do I need to do in order to get this resolved? I then get this automated reply : At XXXX, we consider a variety of factors to determine account eligibility. We understand that you might be curious what these factors are but, for security reasons, we can't share the complete list of criteria we use. Maintaining the security and confidentiality of our evaluation methods is very important to us and our aim is to ensure fairness and equality in the assessment process for all of our applicants. Which did not answer the question. Could you please assist me?

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 2023-08-28
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The cable company claimed I owed {$69.00} on my account which I disagree with. They sent the account to this debt collector who keeps sending emails to my work email address, despite me telling them multiple times to stop sending emails to my work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: ALLY FINANCIAL INC.
State: IL
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:
In XXXX and XXXX of XXXX, I disputed ( 3 ) charges. With the disputes, I provided phone records, emails, XXXX correspondence, dates, names, and times of the companies in question in response to OLLO 's investigation. In XXXX, XXXX, and XXXX I received correspondence from OLLO stating that the cases were successfully closed in my favor. The amounts were {$490.00}, {$110.00}, and {$130.00}. I recently received notice from OLLO stating that they reversed the credits back of {$130.00} and {$110.00}. This would be the 2nd time they have done this. I've spoken to ( 6 ) customer service representatives at OLLO some were helpful and some told me that I would have to wait for another investigation. 
OLLO card services refuse to help me the consumer and has sent me ( 2 ) letters stating my case was closed!

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 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not consent to or benefit from the following information : Transunion, XXXX, & XXXX listed on my consumer report, block or remove the following account USDOE/XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also 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