BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-24
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
This is a new complaint specifically on XXXX XXXX. 
I opened Certificate of deposit # XXXX back in XXXX with SUNTRUST BANK. Original amount was {$32000.00} every year I renewed this CD automatically. Every year I received interest and I received the form to report interest income to the IRS. I am now XXXX years old in XXXX and XXXX I could not do any banking due to health reasons. I started to go back to Suntrust Bank, and when I asked for this CD I was told at the XXXX Branch that I did not have any CD I had others but not this. I kept banking at the XXXX XXXX branch. I approached the bank with this issue accompanied by family members who can attest and every time I was told there will be research and they will inform me. Nothing happened. Finally due to theft from bank employees in my other accounts I started to complain to the XXXX. and then to your office. Lately, I mailed all these forms to your office with copy to SunTrust Bank to the attention of XXXX XXXX XXXX. And as usual got NO answer. I called this morning and you did not get my mailing I have the receipt from the postal office to your XXXX. Please note all other CD inquiries have been addressed or partially addressed by SUNTRUST Bank. But there is no explanation about this CD. It is been many years with no answer. Please help with this issue.

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 2022-09-12
Company: WELLS FARGO & COMPANY
State: OK
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 am a natural person, I am a living human being. I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish

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 2022-09-12
Company: American Credit Acceptance, LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The car was paid off in the month of XXXX ( XX/XX/2022 ) in full. When I look on my credit report it shows a late payment for the month of XXXX. I have called them to fix it, but it has not been fixed as of yet. 
In accordance with the fair credit reporting act XXXX  account, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with out 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 any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: EQUIFAX, 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 information incorrect

Complaint:
Preferd CR # XXXX is reporting a charge off collection to my credit that is past the Colorado statute. I no longer legally owe this debt and I would like the account to be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: ALLY FINANCIAL 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: Was not notified of investigation status or results

Complaint:
Ally Financial did not notify me that car owner for whom I co-signed was behind in payments. I only found out when my credit score declined by 130 points overnight. When I asked why I was never given notice, Ally gave me confused addresses and refused my offers to pay off the car owners loan.

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 2020-04-05
Company: Experian Information Solutions Inc.
State: TN
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:
Hi, My name is XXXX XXXX. I am writing because though i have expressed many concerns with my credit report with the credit bureau, they have yet to remove this inaccurate reporting from my credit report. The following accounts are what's reporting in error : ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) I pulled my report and i know all accounts should be 100 % accurate, right. Well i found alot of things that are in violation of FTC. Please remove this account from my profile immediately. 

Report Number is XXXX from experian Credit Report Reference : Reference # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: CA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2015-08-14
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended The University XXXX XXXX in XXXX, Montana from XX/XX/XXXX-XX/XX/XXXX ( received an associate 's degree ). My father cosigned on a loan for {$10000.00} with XXXX, who sold my loan to American Education Services. My father passed away suddenly and tragically on XX/XX/XXXX. AES notified me promptly ( we 're talking within 48 hours of my father dying- I was not allowed a grieving period whatsoever ) that my loan is now due back in full and immediately. I suppose I should have done my research and known that in the sudden case of my father 's XXXX this would happen ( silly me for not planning ahead for such a tragedy ), but AES wo n't even allow me to adjust my payment amounts. My father had set up the payments to work with his income as an accountant. Now I, fresh out of school and working with a $ XXXX yearly income, have to make payments in the amount that was fair for a $ XX/XX/XXXX income. I have exhausted forbearance, income-based payments, and every other option that would allow me to make affordable payments. Starting in 2 months I have no more options but to pay more than I can afford to these loans, all because they wo n't allow me to re-finance based on my personal income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-05
Company: EQUIFAX, INC.
State: OK
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:
Please be advised this my 2nd attempt in trying to resolve this matter. The SPECIFIC fraudulent accounts in question that were from the direct result of identity theft are 1. XXXX # XXXX, 2. XXXX  XXXX XXXXX. After reviewing a copy of credit report a couple of months ago, I realized I've become of victim of identity theft when I noticed several fraudulent accounts that were established without my knowledge or consent. I sent out letters to XXXX, Equifax, and XXXX   along with supporting documentation. I also submitted a identity theft report which included a detailed outline of the fraudulent accounts and addresses listed on my credit file. Equifax has failed to provide me with any accurate verification of the fraudulent accounts that are currently in dispute. It has been over 30 days and as of now my consumer rights have been violated under the Fair Credit Reporting Act. Equifax never requested a block within 4 days after being notified of the fraudulent accounts from my initial dispute ( 605b ) and continues to report them on my credit file which has caused financial burden as well as denial of credit from creditors. Equifax has failed to provide 100 % accurate verification as per section 609 & 611 constitutes. Equifax has also sent a vague or bogus response stating they were not able to locate a credit file After I provide a copy of my Driver 's License, Social Security Card, and utility bill which is unacceptable. Due to these numerous violations Equifax must be held accountable for their actions and remove the fraudulent accounts from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My name is XXXX XXXX and I attended XXXX XXXX for undergrad for which I needed the loan. I have been trying to get my loan back current however I cant make the payments the lender is requiring. I have contacted them several time to see what other options they could offer me but they have stated that there is nothing else they are able to do and that I have to make the monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
closed the credit card paid in full and after a {$25.00} bill came in and I was never contacted or called on me. After checking my credit score I noticed a drop tremendously I called them and paid the bill in full. I 've tried multiple times to get them to remove it.

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 2020-04-05
Company: Experian Information Solutions Inc.
State: FL
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:
There's a factual inaccuracy on my credit report showing a balance of {$12000.00} but this debt has already been sold so it should be presented as a zero balance since the debt has been sold and off their income sheet. 

Furthermore, they are presenting false Account Number as # XXXX this direct violation of Section 609 ( a ) ( 1 ) : Information to be disclosed : Advisory Opinion to XXXX XXXX XXXX ) stating : " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file. '' They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

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 2016-09-03
Company: DISCOVER BANK
State: WA
Product: Credit card
Issue: Delinquent account

Complaint:
XXXX XXXX, 2016 Discover XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Debt ( s ) of XXXX, XXXX XXXX. ( ) ; Account ending in XXXX Dear XXXX XXXX : I am writing to you in regards to an individual debt ( s ). First off, let me be clear in regards to 805 ( c ) of the Fair Debt Collection Practices Act, notification is given to you to cease all contact with either of the above mentioned individuals. Further contact will be construed as harassment as defined 806, and will be reported to the Federal Trade Commission. 

Per 805 ( c ), communication is allowed under certain circumstances. As such, please send a proposed settlement amount for the debt ( s ) and applicable payment plan. If proposed settlement is agreed to, remittance will be included with signed agreement. 

Please only communicate in writing to the following address : Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/21 I closed my netspend all access card so I wouldn't get any unauthorized transactions due to me no longer having my card in my possession because of potential theft. On XX/XX/21 netspend still let an unauthorized {$260.00} transaction occur. I then called to file a dispute and my card was canceled and a reported stolen. From there I was told by customer service that if they were still investigating the dispute that I would get a provisional credit to my account within 10 business days. Now it's the end of XXXX and no one contacted me on this matter. I called netspend they told me I was supposed to send a statement to the dispute email which I was never told to. The only email I received was to email customer service support with my dispute which I did. I was told that since I didn't send a Statement to the dispute department I was not going to get the credit they told me I was going to receive and no one ever told me about sending anything to their dispute department. So I find this to be unacceptable and feel like they totally lied to me and gave me the run around. Customer service was not helpful and said it was nothing she nor I could do but wait 45 more days of investigating. I asked to speak to a supervisor and was waiting on hold over 45 minutes no one ever came to the phone. I don't think it's right to have a pilocy and then not hold up to it.

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 2021-10-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 46 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/22 I recieved a txt stating that XXXX dollars was being requested by someone on XXXX and if it was actually me who did this action. It stated it was from Chase via XXXX  fraund dept. I said no, and immediately got a call from the supposed fraund agent named XXXX. He told me to follow his instructions by going to my bank and finding the XXXX  app, to place XXXX dollars on this app.to be recieved back to me XXXX XXXX and it would be returned to me within 20 mins, to verify faurd. Within 30 mins. I called my bank and told them what happened and they said Chase wouldn't do that, well i didn't know. So they did an investigation and told me it was authorized and they wouldn't return my XXXX dollars. Now i only authorize it to come back to me and no one else. 
Sadly this is the only money i have in the world because i am an elderly person living on social security, this is devastating for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: ALLY FINANCIAL INC.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I requested a XXXX month deferment on XXXX/XXXX/15 because I was in between jobs and was going to receive a short check. I paid the {$99.00} that was required to activate the extension on XXXX, and received a letter shortly after stating the extension was approved & my next payment is n't due until XXXX. I started receving collections calls a few days after regarding the unpaid amount. I explained my extension & was told a request/followup will be sent to the extension dpt & my account should reflect accordingly. Well, that did n't happend & I kept receiving calls ( about XXXX in one month ). Up until today XXXX I have called XXXX times to get this matter resolved & each time I get the response " we will send this to the ext dpt for review '' It is now OVER a month after I initially requested the extension, and my bill is due today & the extension is STILL not reflected even after XXXX different requests have been submitted. I spoke with a supervisor today, XXXX, who says the system thought the extension was for XXXX & not XXXX & that 's why the letter had my next due date for XXXX but everytime I spoke with a rep they seemed to know my extension request was for XXXX. She said she will also send a followup, and I asked for something in writing that reflects the correct dates my payments are due. I do n't have a problem paying the amount due in XXXX but I do n't think it is fair since ally did n't get it right the first time, and I should n't be penalized for a " system error '' when going off the due date I have in writing from the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-04-05
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was XXXX  from XXXX  consumption at a friend 's house for a get together on XX/XX/XXXX. An ambulance was called and I was picked up and brought to an emergency room and stayed for a few hours before being sent home. The ambulance company apparently sent the bill to the address they picked me up from and not the address on my license. I never received a bill due to this error. 

Months later, on XX/XX/XXXX, a resident at the house that the ambulance picked me up from let me know I had mail addressed to me at their home. I thought this was very strange and gave them permission to open it. They then sent me pictures of a " Notice of Default '' from a collection agency for my bill, it stated that the bill may be reported to the bureaus if it was not paid in 45 days from the date they first received my account from the ambulance service. 

I then called the ambulance company and informed them of their error fearing the impact on my credit since I never received a bill from them, never received a notice of my bill being sent to collections, and very luckily had the resident notice my name on a piece of mail at their house. 

I was told over the phone by their billing department that they would take 20 % off if I paid in full that day. As soon as I was about to pay over the phone the operator said she had to check with her supervisor to make sure I got the discount and she would call me back. She called back later to inform me that she could not give me a 20 % discount and corrected my address so I could receive the bill and get my invoice number to pay. 

Once I received the bill from the ambulance company at my address, I noticed I had a payment due date of XX/XX/XXXX. I then went to their website to pay. I started a payment plan with the first payment for my plan starting on XX/XX/XXXX. 

I received a credit score notice from XXXX XXXX for my credit report on XX/XX/XXXX. This stated I had a derogatory mark from the collection agency which was for the full amount left on my bill. I was under the assumption that paying my bill to the ambulance service would solve my issue. Apparently, the ambulance service did not inform the collection agency that they made a mistake of my address. 

Apparently, the collection agency opened it on XX/XX/XXXX, way before I was even informed of a bill, the bill being sent to collections, and a " Notice of Default '' from said collection agency. This derogatory mark was for the full collection and did not show my payment from XXXX as well. All because the ambulance service sent the bill from the location I was picked up from instead of my actual residence on my license and did not inform the collection agency of their mistake after they sent the bill to the correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I believe one of my family used my information to acquire cable internet from two different companies. I had recently turned XXXX at the time of this transaction. I was still finishing up my XXXX XXXX of high school. I didn't have a job. how can I sign up for two different cable providers? Became aware of this claim from XXXX XXXX.

Company response to consumer: Closed with explanation