BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: Complete Credit Solutions, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
During the summer of 2018, I was sold a nonfunctioning alarm by a disreputable company named XXXX. I was required to make XXXX monthly payments, but Ive refused to make the third payment because the alarm never function from the day it was installed. The company XXXX sent out people to repair the alarm 3 to 4 times and they were never successful in fixing the alarm. They also refused to take the alarm back and refund my money. Over the many years, this company has called and harassed me personally about this last payment. They have called and harassed my siblings, they have called and harassed my children, they have called and harassed my financial advisor/friend, and they have called and harassed my former employer. Each time they make a call to one of those listed above, they claim that they are calling about an urgent court related matter, and that they need to speak with me immediately to avoid further legal action. This has caused me considerable distress in explaining things to my family, employer and children. 
I have repeatedly asked them to never contact me or anybody else regarding the last payment I refused to pay, due to a nonfunctioning product. Over the years, they continue to violate my request.

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 2019-06-11
Company: AES/PHEAA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My purse and wallet was stolen on XX/XX/XXXX. I immediately reported it to the bank and got new debit and credit cards. On XX/XX/XXXX the bank let someone withdraw money using my stolen drivers license from a bank drive thru line. XXXX dollars was withdrawn. I have been given a temporary credit for this amount. They gave the person my account number for my checking account with the withdraw based upon my drivers license and some other card from my wallet. Later that day they let someone cash a check against my bank account and withdraw XXXX. The signature on the back of the check does not look like my signature. The check then bounced and the bank deducted the money from my checking account. Bank of America has refused to give me a temporary credit for this amount. I was also in XXXX XXXX at the time using my debit and credit card from Bank of America. I also filed a police report on XX/XX/XXXX when my purse was stolen. I have three different case numbers from Bank of America because my claim was misfiled the first time. 
XXXX, XXXX XXXX. I have reached out to the bank multiple times with very little response. I have opened a new checking account and have a fraud alert in my previous checking account.

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
Consumer complaint received 2023-06-07
Company: McCarthy, Burgess & Wolff, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a formal complaint against McCarthy, Burgess & Wolff regarding their actions that have violated my rights under federal laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am seeking relief and monetary damages for the following violations : Unauthorized Collection Account and Inaccurate Reporting : McCarthy, Burgess & Wolff has reported an account on my credit report that is not mine and is inaccurate. This fraudulent reporting has negatively impacted my creditworthiness and financial standing. I did not provide any permission for this account to be reported, nor was I notified that such reporting would occur. Obtaining Personal Information Without Consent : I discovered that McCarthy, Burgess & Wolff obtained my personal information without my consent and opened an account in my name. This unauthorized access to my personal information is a violation of my privacy rights and raises serious concerns about their practices and compliance with federal laws. Failure to Verify and Validate Debt : Despite my request to McCarthy, Burgess & Wolff to provide verification and validation of the alleged debt, they have failed to provide any supporting documentation or proof of the debt 's validity. This failure to comply with the FDCPA 's requirement to verify and validate the debt is a violation of my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Experian Information Solutions Inc.
State: CO
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 have informed XXXX several times that I had a payment plan for the date of XX/XX/2016 and yet they still report to the credit agencies that this was a late payment.

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 2023-08-18
Company: EQUIFAX, INC.
State: AZ
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Bright Capital Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
On the XXXX of XX/XX/2022, XXXX withdrew {$88.00} from my checking account without my knowledge or consent when I had signed up for a free trial. I have tried to contact them via chat and email with no response. I can not find a phone number to call their customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. DEPTEDXXXX   XXXX {$6000.00} DEPTEDXXXX XXXX {$3000.00} DEPTEDXXXX XXXXXXXX {$6000.00} XXXX XXXX {$4500.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DEPTEDXXXX  XXXX {$2200.00} XXXX 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 2017-07-13
Company: Atlas Credit Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have sent a cease and desist letter the loan company and they continue to harass my family, friends and myself.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Consumer Adjustment Company Incorporated
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was notified by XXXX  that there was a change in my credit report on XX/XX/XXXX in which I reviewed and submitted a dispute. Consumer Adjustment Co has repeatedly ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) reported delinquency on my credit report in which I have no idea who they are or what debt they are reporting delinquent, as I have not received any statements or written communication as to what this debt is nor was I given the required ability to dispute or request validity of implied debt, therefore a clear violation of regulatory requirements as well as conducting abusive and deceptive collection practice, causing unavoidable harm as my credit score has significantly been impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Services started calling me about an alleged debt of {$2500.00} in XXXX of XXXX. I did not recognize the name of the company they were contacting me about ( " XXXX '' ). They told me that it was for a XXXX credit card. I do not HAVE a XXXX credit card. I contacted XXXX to inquire. They looked at my account and said that not only is there no XXXX attached to my account, but that they don't have XXXX credit cards with XXXX, only XXXX. They showed me where it would appear on my sign on page if I did have an account and nothing is there. Moreover, there is no record of this account on my XXXX credit report - no open account, no closed account, nothing. 
I received a letter from XXXX XXXX law firm saying that they purchased my debt fro Portfolio Recovery services. I disputed their claim, explaining what I explained above and requested debt validation because I did not have a credit card with XXXX. Their only response was to issue a subpoena to notify me that they were suing me. I sent them ANOTHER debt validation request on XX/XX/XXXX. To date, I still have not received info. How is it legal to sue someone for a debt that there is no record of, other than from the service they bought the debt from? The company who supposedly issued the card says that there is no debt, the bank branding the card is not on my credit report and there is no proof provided from the law firm or debt collection agency. Portfolio recovery just appeared out of nowhere on my credit report with no card linking it to me on the report. By their actions, anyone can assert that someone owes them money with no proof and then call collections. 
I have disputed this with XXXX, with XXXX, XXXX XXXX and will be with Portfolio Associates. I also plan to meet with an attorney and counter sue them unless they cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: ZIONS BANCORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Complainant : XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona, XXXX. Telephone : ( XXXX ) XXXX. Email : XXXX Financial Institution : National Bank of Arizona, ( a division of Zions Bancorporation N.A. ) XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona, XXXX. Telephone ( XXXX ) XXXX. Branch manageXXXX XXXX XXXX. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 The response to my complaint is for the CFPB to allow the the bank to hide behind the small print of their paperwork and to try and pass responsibility to XXXX XXXX. 

The responsibility remains with National Bank of Arizona. They, not XXXX XXXX, effected the foreign exchange transaction that gouged approximately {$90000.00} dollars from me by using a rate far from the market price. 

I have provided the Open. High, Low and Close of XXXX XXXX on the day in question in my initial complaint. For more evidence, here is the official XXXX XXXX XXXX statement regarding the market price on the day. 
https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They and their agent used a rate of 1.18, when the market rate was 1.24. 

It is obvious that National Bank of Arizona have not complied with their fiduciary duty to protect my best interests. They have not exercised reasonable skill and care, and there is no sign of honesty and fair dealings in their behavior. They have materially adversely affected my financial position. 

Should there be any doubt, I am happy to proceed in the court of public opinion.

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 2022-12-31
Company: Comerica
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have received over XXXX calls from direct express about a debit card. My son just got this phone # and I called asked them to stop which they said they couldn't do. I just want my sons phone number removed from their database. 
Phone number they are calling : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: MO
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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  Account # XXXX XXXX, US DEPT. OF EDUCATIONXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
1. On XX/XX/2018, I sent an initial letter to XXXX XXXX ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$520.00}.

2. I also notified XXXX XXXX that my Initial Letter also served as formal notice that I was disputing the claim.

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to XXXX XXXX on XX/XX/2018 at XXXX XXXX. A copy of the Certified Mail Receipt is attached to the Initial Letter.

4. Thus, XX/XX/2018 was the 30-day deadline for XXXX XXXX to send me verification of the debt. I havent received anything.

5. The entry of {$520.00} on my Experian and XXXX  credit reports is entirely inaccurate, incomplete, and represents a very serious error in reporting.

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 2023-08-10
Company: EQUIFAX, INC.
State: NJ
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 submitted a complaint again XX/XX/2023. Some of the negative items got deleted but there are some who are still reporting on my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion and XXXX credit bureaus are resting a XXXX  XXXX that is reflecting on my credit report, information stating that TransUnion and XXXX claim the information was verified as accurate through the XXXX  XXXX courts. 

I have sent in numerous of times a certified letter from the XXXX  XXXX court that it clearly state that the XXXX  XXXX courts to not share or report any information to any credit bureaus but they refuse to remove or have written information of verification of this.

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 2022-03-16
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:
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 explanation
Consumer complaint received 2023-05-22
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: 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 XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX 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 non-monetary relief