BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-12
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is ERC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ERC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ERC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ERC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ERC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 at approximately XXXX I received a notice from HR stating wages were going to be garnished. I received a WG-006 Claim of Exemption to file with the court. I contact the plaintiff office XXXX XXXX XXXX XXXX  I advised them that the debt was not mine. I am a victim of ID theft and I never lived/rented/tenant in XXXX XXXX XXXX where the allegedly tenant using my information rented a dwelling and not paid rent. The attorneys office asked for last 4 of DL and they concluded that it was not the ID they had and might be a fraud case. My wages are going to be garnished because of this case of mistaken identity and need it resolved as soon as possible. 
CASE XXXX I am a XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: CA
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:
The follow items are suspected of being a product of fraudulent activity .My Ssn and all person information have been leaked online.I believe this has lead to some unauthorized use of my credit, credit cards, and personal information. I have files a police report and the items on my report i believe to be affected,. see atttachment

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 2023-01-23
Company: EQUIFAX, INC.
State: WI
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 contacted equifax as well the creditor to try and get a removal of an unauthorized inquiry involving a removal letter but no one i contacted helped me reach a solution. both companies were contacted on XX/XX/XXXX. after several unsuccessful attempts the inquiries remain on my credit file. unauthorized inquiry XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Westlake Services, LLC
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Monday, XXXX XXXX Illegal Repossession of Leased Car last Friday XX/XX/XXXX Last Friday XX/XX/XXXX, I went out to my car in the evening to find it missing and repossessed illegally by Westlake Financial. ). I am in a XXXX XXXXXXXX state so I need my Car to get to doctor appts so I can get back to work asap. I am still waiting for a call from rep from XXXX XXXX -- XXXX did not send a certified letter, it did not register an accurate phone number for the towing company, and it doesnt have an informed customer service process or Directory option for Repossession ( their service line closed early weekend by XXXX PST instead of XXXX ). In Washington XXXX a Creditor must send a Certified Letter prior to repossession which was not executed. ( DC law 28-3812.3 see attached or url : XXXX : XXXX ) The Westlake Customer Service is not set up to address weekend Repossession closed early Sat and Sun by XXXX even if the website states XXXX. I spent hours being bounced around the Collections department and my call was dropped 4 times on Sunday and one rep demanded I pay the repo fee and arrearage and compared it to a housing eviction ( for which youd also get a certified letter ), the Supervisor was not familiar with certified letters. Even the representatives identifying themselves quickly by their first and last name is confusing and distracting nearly every rep took offense when I asked them to spell their first names i.e. not a great way for either party to start a difficult conversation.

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 2022-11-24
Company: EQUIFAX, INC.
State: VA
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:
Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX XXXX XXXX  is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX COMPLAINT FILING AGAINST : XXXX, ARIZONA BofA BRANCHES I understand that Banking must remain fluid in/with the evolution of online more convenient options. BUT the level of customer service when people like me have no other choice but to go into a branch and to deal w/ the employees is disgusting. I have worked in Banking. I have many family members who work in Banking. I spent many years on the Mortgage side with XXXX XXXX XXXX XXXX. If we had spoken to people the way that BOTH branches in XXXX speak to people, we not only would have been fired but we would have been banned from working for any financial institution ever again. 
There is an arrogance that all of them display. Customers are not stupid. They trust their financial institution to guide them and help them with their hard-earned money. They have spoken to me on numerous occasions in the most condescending ways. I do everything I can to not have to go into a branch for any reason but as a hard-working individual with XXXX jobs, sometimes I do not have a choice but to visit a branch from time to time. No matter how much time passes, the visits do not get better. As a matter of fact, they have gotten worse. I try to give the forever changing faces in the XXXX branches the benefit of the doubt but its always a shocking disappointment in the end. Like, literally shocking! 
I think it is time to hire more seasoned financial professionals, or at least a more balanced age range in the branches. 
I have been w/ BofA for many many years but maybe thats the problem? Maybe it is time for a change. 
DO BETTER! 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ

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 2019-10-13
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A new privacy notice was received from DiTech Financial. The customer elections were to be sent to XXXX XXXX XXXX  XXXX, c/o Ditech Financial , LLC , XXXX XXXX XXXX XXXX, XXXX, AZ  XXXX. The enclosed return envelope is addressed to DiTech Financial , LLC, Customer Service, XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

This is an action that is typical of the inattentiveness that is characteristic of this company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am filing a complaint concerning a very misleading promotional mailer sent to me by Bank of America on XX/XX/XXXX, offering the opportunity for me to consolidate my debt and transfer any balances I have to my Bank of America XXXX XXXX  XXXX '' Visa Card. The letter offered two options ; either zero percent interest until XX/XX/XXXX ; ot 1.99 % interest until XX/XX/XXXX. The letter said, " Choose the offer that's right for you. '' It seemed like a good deal, and on XX/XX/XXXX, I decided to accept the offer of zero percent interest, using a check included in the mailer to transfer a balance of {$8400.00} that was on a different credit card. 

On XX/XX/XXXX, in reviewing current charges to my XXXX   XXXX credit card statement, I noticed that in addition to the balance transfer was a separate transaction fee of {$250.00}. Not understanding what this was for, I called Bank of America on XX/XX/XXXX, and spoke with a representative, who informed me that this was a 3 % fee that that bank charges for these balance transfers. 

The mailer that prompted me to accept this offer was very misleading and deliberately attempted to hide the fact that a 3 % fee would be charged. The mailer consisted of an offer letter on page one, followed by a page two that included the checks, and details of the promotional offer. 

The main promotional offer letter made no mention of the fee. It positioned the offer as " 0 % '' interest until XX/XX/XXXX. It said nothing of the 3 % charge. In reviewing it again after the incident, I did find on page two a single line mentioning the 3 % charge, but it was buried at the end of a legal description of other terms and conditions. At the very bottom on the letter, there was a box that listed general terms, and mentions the 3 % fee, but it is not clear this fee applies to this special promotion. 

I am generally an educated consumer. It was clear to me that Bank of America sought to mislead me and others. The reality was that this wasn't a zero percent offer as advertised at all. It was a 3 % offer. 

To date, despite repeated efforts, I have not been able to get Bank of America to waive the fee, or even agree to allow me to repay the {$8400.00} and reverse the transaction, something I would be happy to do. I request your intervention to secure a refund this fee, or the opportunity to reverse the transaction completely.

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 2021-09-15
Company: American Credit Acceptance, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a FTC report on XX/XX/2021. This account was due to identity theft. The account was removed from my XXXX account, but this account never was removed from XXXX and XXXX and showing on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student loans are with Navient Solutions , LLC . This company has forced me into forbearance in that the would not lower my monthly payments to a payment that I would fit me. On XX/XX/2019, the company approved a forbearance only because they denied me a deferment. The reason the company said they denied deferment was because " Your income is greater than the poverty level guideline for your state and family size. '' I would have never asked for a deferment or a forbearance if the monthly payments were at a payment that I could handle. In XXXX of XXXX, I emailed the company and told them that the monthly payments were too high, even after I applied for income base repayment. The company refused to deny payments in my best interest. Therefore, it pushed me to either defer my payments or apply for forbearance. 

I also had a loan with a school that was a for-profit school, XXXX   XXXX. This school is no longer open and credits were not transferable to any college. The college was not accredited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Wanted to get New Truck I ask them not to run my credit before anything and they would run my credit once they ran my credit few to many times, 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

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 2019-10-13
Company: Second Round Limited Partnership, Austin, TX Branch
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
In XXXX a man arrived at a residence that I do not reside at and informed the person there that he will serve me or tape the summons to the door. I then received another letter from the Supreme Court in the mail last week and a copy of the lawsuit from the lawyer of the company. This company is not on my credit report, I have never heard of this company or this debt. I attempted to call the lawyer to discuss this and was told I had to pay the full amount right then to stop legal action or pay half and then the other half in two weeks. They are threatening to garnish my wages and have not responded to any questions on verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was informed that the rewards certificate i used to purchase an item could only be used once. although the rewards used to purchase that item was returned without a problem.

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 2021-03-08
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They called me from time to time they want me to put in my account number they want me to put in my social security number they say it's about a debt I don't know where there coming from I don't know this company and I've never had any dealings with them

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 2023-09-05
Company: EQUIFAX, INC.
State: CT
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: Experian Information Solutions 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 XXXX  Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX  Account # XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account XXXX : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # : 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 non-monetary relief
Consumer complaint received 2023-05-05
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
After I filed a claim about U.S.Bank did not pay welcome bonus even though my account was opened and funded by the XXXX XX/XX/2022, they responded to say that the promotion is targeted, attaching a pdf fine print including a " added disclosure '' just good enough to exempt them from paying bonus. I attached a current fine print they have on their website right now without that statement. I read the fine print before I applied on XXXX XX/XX/2022 and was sure that I did not see this statement, in the case it was written obviously and in a such whole separate line. I was convinced that this pdf file is edited recently with purpose. One more thing is that when I applied, I input all the information, if my profile does not match with your intended customer, the code should not be applicable, as all other targeted promotion have been processed. 
Last but not least, as U.S.Bank did not refuse my proof of opening date and is trying to play another game, I was convinced that U.S.Bank should recognize that my account opening date is on XXXX XX/XX/2022, not breaking the promtion deadline.

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