BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FAILED TO VEFIFY DEBT WHEN REQUESTED In accordance with the Fair Credit Act XXXX  Account XXXX  XXXX, XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 USC 1692g Section 809 If the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I XXXX XXXX, am submitting this cfpb Complaint concerning the gross. Reporing of inaccurate account information, From the three major credit agencies XXXX, Trans Union , LLC and XXXX XXXX XXXX. Under the FCRA, its states information reported must be 100 % accurate. This is not the case with almost 100 % of consumers credit files are filled with inaccurate information, In reveiw of my consumer files you can see the errors, that shows the inaccuracy. Across, the three credit reports from the three credit agencies. Under the FCRA, 15 usc 1681 my federal rights have been violated. Over and over again in disputing process, of the inaccuarate informatio being reported. 

Under 15 USC 1681, my rights have been violated by XXXX XXXX Acct # XXXX. Under these federal statues XXXX has violated my rights under secttion : 15 USC 1681i- Procedure in case of disputed accuracy ( a ) Reinvestigation of disputed information.

15 USC 1681i- Procedure in case of disputed Accuracy.

15 USC 1681b- Permisssible purposes of consumer reports 15 USC 1681- Cogressional findings and statement of purpose 15 USC 6802- Obligations with respect to disclosures of personal information 15 USC 1681 ( e ) -Compliance Procedures Under listed above statues under the FCRA, my rights have been violated. In the procss of disputing a request for reivestigation. I did not get any investigation resutts, back from my request. I was never got a notification at all within the 30 days mandated period. 

Thus, causing another federal staue violation 15 USC 1681n and -Civil Liability for noncompliance 15 USC 1681o- Civil Liability for negiligence noncompliance. Under these statues I am submitting this complaint for the willful noncompliance to any of these statues violations. 

In the filing of this complaint, it is my intent to take civil actionsas a result. Of the actions of XXXX XXXX,, for the violations listed, and noncompliance in being compliant. Also Civi actions against the credit bureaus for no doing their do diligence in asssuring that the reinvestigation was conducted.

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 2019-06-27
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a new account with US BANK and it has been nothing but problems since I opened it. I am writing because I had to open a new bank, after my ATM card and social security card were stolen from my apartment- there is a fraud investigation going on. 
The first issue- I deposited over {$500.00} in cash directly to the teller on day I opened the bank, I made transactions that equaled less than {$500.00}. US Bank told the merchant I did not have the money to XXXX, denied the transaction which caused my new phone to be delayed by five days. US Bank then re ran the transaction taking around {$170.00} out for a transaction that was only {$100.00}. 
I make some returns to XXXXt, and then order some XXXX XXXX, to find out US BANK charged me for two NSF fees that they should not have charged me for.

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 2023-11-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: Valor Intelligent Processing, LLC
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was contacted by telephone by someone from Valor Intelligence Processing. They spoofed a XXXX, WA area phone number but when speaking to the first representative, she told me that she was located in Florida. All I was ever told by all the different representatives was that it was regarding a " personal business matter ''. They tried to force me to verify personal information without stating that it was an attempt to collect on a debt. I've received no written communication prior to the phone call. When trying to get them to say what debt it was regarding, they repeatedly stated that they had to verify all personal information first and that it was against the law for them to say what debt or anything beyond " personal business matter '' until things were verified. When asked to speak to someone above a supervisor, the supervisor clearly stated that they were well versed in all of the federal laws and that none of them said that they had to send written communication first, clearly say that the call was an attempt to collect a debt or anything. I was looking at the laws while this individual was making such claims. This is a predatory business that lies and fails to follow the law to get people to verify information before telling them anything they have to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am currently in the Public Service Loan Forgiveness Program ( PSLF ). I learned after initially submitting my employment certification form that the numbers of qualifying payments varied drastically between my loans, despite the fact that I have always paid all of the loans together. I initially brought up this issue more than 3 years ago and there still has been no resolution. 

When I first discovered the problem I called and was told to submit some sort of appeal which I was told takes 6 months because it has to go to the Department of Education. After longer than 6 months I received the results stating my qualifying payment totals remained the same. I called again and was told this time that maybe the problem was that my loans were on something called " paid ahead status. '' They said they would take off this status and then I would have to resubmit. Again after longer than 6 months after submitting again the qualifying payment totals were incorrect. 

I called again ( XX/XX/XXXX ). I talked to one employee who initially said the review was done incorrectly. I then asked to talk to their supervisor due to it having been years since I started this process. I then talked to XXXX ( employee ID : XXXX ) who said that he manually checked some of my loans and agreed the payment counts were incorrect. He said the old tracking system had problems and had been updated and he would try to escalate the case for higher priority review. 

I still have not had resolution of this problem or heard back about a third review. I have three supporting documents attached : 1. List of qualifying payment totals for each of my loans as of XX/XX/XXXX. ( This is when I had employment certified up to XX/XX/XXXX. I have since certified up to XX/XX/XXXX and of course made more payments. However this illustrates the main problem of the variable total of qualifying payments : totals vary from 9 to 45. As you can see below the total should be 49 for all loans as of the time of this letter ) 2. History of payments  under XXXX ( this totals 36 payments ) 3. History of payments under Fedloan ( 13 done prior to XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 5 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 604A Section 2 states a Consumer reporting agency can not purchase an account without my written instruction. These are not my accounts and I did not give written instruction. 

1. ) XXXX XXXX # XXXX This is not my account. 
XXXX. ) XXXX XXXX Account # XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX Ohio Account # XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX Account # XXXX This is not accurate. In XXXX, I paid {$1000.00}. In XXXX, I paid {$500.00}, in XXXX, XXXX, XX/XX/XXXX In XX/XX/XXXX, I paid {$500.00}. They refuse to update the balance on my credit file. I have my receipts of all payments ; however, they refuse to update my balance on the receipt also. I am not going to continue paying until they update this balance on my credit. It is negatively affecting my credit very bad, and I am working on fixing my credit. If they don't update, I will stop paying it and we can go to court. 
XXXX. ) XXXX XXXX XXXXt # XXXX Also, there are hard inquiries on my credit file that I did not authorize. I attempted to resolve them with the Credit Reporting Agency, ( Equifax ) to no avail. They have refused to remove these inquiries that I did not authorize and it is negatively affecting my credit file. : XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX Bank XX/XX/XXXX XXXX. ) XXXX XXXX XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
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: Account status incorrect

Complaint:
A loan from XXXX XXXX & XXXX is on my Equifax credit report. First I have never missed a payment, and second it still is being reported as open when the account shows a {$0.00} balance. The account should be closed and the accurate payment history should be reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I sent {$500.00} to someone that I spoke with over the phone who ended up being a scam artist via the XXXX app through Wells Fargo. This was my first time using the online money transfer method, and I thought that because it was advertised within my banking app, that there would be an element of protection available. When the person who received my money stopped responding, I immediately placed a call to my bank to try and cancel the money transfer and submitted a claim the same day. When I submitted the claim, the agent said someone else would call me when my claim would be assigned to gather more information. No one contacted me. I received a letter in the mail saying that there was no error on the banks part and I would not be able to have any protection or refund for my transaction. It is very disappointing as a long time customer of Wells Fargo that the bank would promote an app that ( as I researched ) many scammers are now using. There is no warning of this on the site and I think there should be either a scammer warning, or these banks should partner with an app that has more financial protection ( like XXXX ). The false sense of protection that XXXX gives bank customers by being directly linked to the bank is detrimental- the scam artist even milked this sense of protection to me over the phone. Please let me know what further steps I can take to receive a refund and hopefully protect others from encountering the same scam as mine. Currently, I reopened my claim in hopes of a different outcome.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX 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 XXXXXXXX Inquired XX/XX/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 2023-09-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXXXXXX

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 2020-08-05
Company: EQUIFAX, INC.
State: AR
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:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXXXXXX {$18000.00} XXXX XXXX {$2600.00} USDEPED XXXX {$7100.00} XXXX XXXX {$1500.00} USDEPTED XXXX {$4300.00} USDEPED XXXX {$4000.00} XXXX XXXX {$290.00} EQUIFAXM XXXX {$100.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$4000.00} XXXX XXXX {$2600.00} XXXX XXXX {$1300.00} XXXX XXXX {$2600.00} XXXX XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TD BANK US HOLDING COMPANY
State: NJ
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: Problem with personal statement of dispute

Complaint:
1 ) I submitted a dispute with TD bank and indicated I had both Audio and a transcript of the audio with them that shows they did not have a correct email address for me.

2 ) Because I was enrolled in electronic statments, notifications emails " bounced back '' when they tried to contact me.

3 ) I submitted a disupte and asked for a way to submit both the audio and the transcript to prove the point.

4 ) TD bank did not respond and instead just rejected my dispute. 

I have attached all document and the audio related tot he dispute. This resulted in a 30,60,90 and 120 day late on my account and this is extremely derogatory for my credit report. TD bank did not try to resolve the issue with me and they should have that responsiblity if they want to be allowed in consumer banking. You will find TD bank provides no email address nor method to provide files related to disuputes and they should.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I got a XXXX XXXX 13 months ago at U.S. Auto Sales XXXX XXXX XXXX XXXX in XXXX South Carolina. The agreement was XXXX biweekly, for 18 months. I was also told there was a program implemented in my car to shut it off if I do not make a payment. I was looking to trade it in for something else before I finished the XXXX mark because every time I shut my car off it doesnt start and I have to get a jump. So I went to the XXXX dealership on Wednesday XX/XX/XXXX to get an appraisal just to see what they would be able to do. I was then told they found an illegal gps tracker on my car disguised as a sticker in my door. Then they tell me my profile doesnt not say the agreement, it shows they are only taking out a total of {$150.00} of my monthly total for 72 months. So the gentleman told me he would still try to figure something out but the value of my car wasnt even a XXXX. He said to come back the next day. While I was at work I did some research and found out U.S auto sales has a federal lawsuit for multiple reasons, one being illegal gps trackers on their vehicles, two being kill switch starts on their vehicle ( which is why mine wont start ), three for illegal repossession, and four being tripling payments. I was advised to put in a claim and get legal advise.

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 2020-08-05
Company: Experian Information Solutions Inc.
State: AR
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:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$28000.00} XXXX XXXX   XXXX {$220.00}

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 2022-11-02
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: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX 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.

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