BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-22
Company: GFS II, LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
As of today XX/XX/2021, my affidavit remains unrebutted. Therefore, it remains a fact that the debt from the beginning is fraudulent. Gateway financial solutions is still in possession of my vehicle and have stolen from an address they did not have on file which is a violation and refuse to give it back at this point. Ive had to retrieve my items out of my vehicle just in case anything ends up stolen during this process, which was stressful and inconvenient. This is my 2nd complaint regarding the debt in question. On OXX/XX/2021, I spoke with XXXX an agent and supervisor with the company, she confirmed for me that they abide by the Truth in Lending Act, I then asked her if she was aware of the proper and lawful way to respond when a consumer sends a request for validation according to the law, she claims not to be aware, or could not remember. I asked her to reply to my affidavit with the requested documents, she exclaimed that she was not obligated to do that admitting that they have in fact not addressed all of my request. Its a fact that FDCPA has clear laws on what a debt collector is to do when the debt is challenged. Since the company refuses to send the proper documents requested, they were to stop all debt collection acts until the matter is resolved. They have decided to ignore my request, ignore the law, and continue with collection. Late XXXX Gateway Financial Solutions stole my vehicle AFTER I sent an affidavit and notice to validate the debt. They continue to respond in a dismissive manner. They have threatened to sell my vehicle on XX/XX/21completely disregarding the fact that I, in all my rights as a federally protected consumer have launched an investigation. l will not sit back and allow anyone or company to take advantage of and scam me, no matter how common this scheme may be. I asked in good faith, they ignored in dishonor. As of today XX/XX/2021, my affidavit remains unrebutted and stands as truth. It is my unalienable right and my right as a consumer to rescind any contract if there is evidence of fraud pursuant to 15 USC 1635. There has been no contract in place since XX/XX/XXXX when my initial affidavit was sent. Any power of attorney given has since been revoked. Since the company was not willing to provide me with the bilateral contract, which is lawfully binding and enforceable, proves one does not exist in fact XXXX confirmed that when I spoke with her on XX/XX/21. The unilateral contract that was in place proves that my signature and personal information was used to retrieve the credit that paid for my vehicle. I unknowingly gave the company my information to do so after being made to believe that I was receiving a loan from Gateway Financial Solutions or affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I pulled my Credit report on XX/XX/2022 to find out that XXXX had placed a missed payment on my report. I was not aware of a missed payment being that I am away XXXX  working and my wife handles the payments while I am away. However recently my wife fell ill and had to have XXXX so I had to come home and tend to her but it was not communicated that she missed a payment. I did not receive notification of a missed payment nor a letter and was not given an opportunity to rectify this mishaps.However we moved back in XXXX of 2022 and my information has not been updated with XXXX, so if they sent correspondence, I have not received it. I called XXXX and explained to them what happened, and I was told that once I made another payment for XXXX which is not due until XX/XX/2022, they will remove the derogatory information off of my credit report. I think that is unfair and it is hurting my credit report and my job is affected by this. I was not given an opportunity to dispute this or correct it before it came to be a dispute.

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 2021-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I was sent a money order gifted and 2 days later the sender reversed it and took my money away. When I refused to deposit the 2nd check they sent I began to get harassed and threatened and I never deposited the 2nd check but they ended up taking my first one away when {$1000.00} was gifted to me and the other {$900.00} to be sent to their grandson for medical bills within proves recipients given leaving me over drafted with what I have them {$900.00}

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 2023-04-17
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
It's been a minute ago but I have one of my old co-workers that I had worked a job for deposited my ( Earrings ) Paycheck in my checking account. they said it was fraud it was not and then they dispersed it back to her supposedly, when they had already deposited in my account and close my account as well as top of that which I have deposits and and withdrawals that I have dealing with that account as well with my schooling and other personal business. I feel as it is not corrected and as much needed to be corrected thank you and please get back with me at the earliest convenience on this thank 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 2022-01-24
Company: EQUIFAX, INC.
State: NY
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 have reviewed my consumer report and find that there is a late payment being reported. Due to the law stating the exclusions to a consumer report, transactions and experiences between the consumer and the person making the report should not be furnished this should not be reporting in such a manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I bought visa gift card. made me wait 1 hour to use ( scam ). then i lost it, and i called customer service and they said I cant get a refund or void the card. visa said it was banks problem and bank said it was visas problem. it sounded like from the same customer service center. I lost {$200.00} and I cant get it back. This is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft. I noticed it is a lot of fraud and inaccurate information on my credit report that I want removed.

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 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021 I contacted TransUnion by phone and did write a letter to initiate a dispute about inaccurate information they are reporting about me. I was not given the opportunity to initiate a dispute but Instead, I was told by the representative to contact the six financial institutions who placed an inquiry on me and request that they send TransUnion a letter of dispute inquiry. I know that according to the FTC rules, TransUnion is supposed to personally investigate and initiate a dispute on my behalf with these six financial institutions when I bring to their attention that they are reporting inaccurate information against me. To this date, I have not had a response from TransUnion and I would like them investigated my disputed inquiries. TransUnion is reporting in accurate information about me that is affecting my credit score and refusing to investigate the inaccuracies I have brought to their attention. I did not authorize these financial institutions to run inquiries on my credit. These inquiries should be removed from my credit report. I should be given a fair chance to have these inquiries investigated and removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: TX
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 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions in Accordance with the fair credit reporting Act : USBK COURT XXXX XXXX  XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/XXXX has violated my rights in Accordance with the fair credit reporting Act : USBK COURT XXXX XXXX XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/XXXX has violated my rights in Accordance with the fair credit reporting Act : USBK COURT XXXX XXXX XXXXXXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/XXXX has violated my rights in Accordance with the fair credit reporting Act : XXXX XXXX XXXX XXXX  Account number XXXX has violated my rights

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 2021-10-22
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX around XXXX XXXX local time I went to local western union money transfer services to send money to XXXX in the amount of XXXX XXXX ( XXXX ) dollars and additional XXXX ( XXXX ) dollars service fee. 
Went thru the process, handed the money, provided government issued ID and got my receipt with a transaction code. 
With in minutes I got text message from western union telling me the transfer is on hold to review information. I called western union customer service to clarification. The person who answered the phone told me that its just that they want to ask me couple of questions such as my full name, receiver 's name and location which I patiently provided even though all this information is already provided at the local agent 's office. 
then customer service person asked that I need to provide copies of my ID, social security card, passport, via email in order for the money to be released. 
I refused and asked to get refund because I am not legally required to provide copies of personal identifying documents in order to get your service. 
I went back to the local western union agent store to get refund but the agent can not issue a refund because the company put a hold even not to refund. 
The local agent talked to a western union customer service agent asking them to remove the hold so that she can issue a refund but refused the request to the surprise of the local agent who told me that in her fifteen years, she never have this happened before. 
Can a financial services company refuse to issue a refund when they didn't provide the services they agreed? Instead they insist on asking for copies of personal documents. 
This is classical profiling case by this financial service company. They are profiling me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Resurgent Capital Services L.P.
State: TX
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 writing to formally dispute certain inaccuracies and discrepancies found in my credit report regarding a collection account from XXXX XXXX XXXX XXXX. The information provided by your reporting agencies, contains inconsistencies that violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax and XXXX  are report XXXX XXXX XXXX XXXX XXXX {$620.00} debt thats not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: LEXISNEXIS
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently applied for auto insurance through XXXX. I paid my policy premium amount. Due to vandalism, I took out a claim to have my windshield and rear driver glass repaired. My coverage on the policy I ourchased has a {$0.00} deductible. Yet I received a letter stating that even though I've already paid my 6 month premium, according to LexiusNexus do to XXXX credit I do not qualify for the lowest comprehensive deductible, even though I have already paid for XXXX month premium coverage. 

In addition I have signed opt out documents to opt out of any reporting and they refuse to honor the signed request. They absolutely received the form notice and refuse to. Lexius Nexius has caused many problems in my life due to misuse of a report, or using non verified public information that is fast out wrong. They also known this and refuse to adjust or clear my credit file. 

In addition like LexisNexis, XXXX refuses to publish accurate or updated information. Again I state that despite numerous attempts to clear, correct adjust, or remove all of the inaccurate public information attached to my consumer reports has made my life less than and my quality of life suffers because of wrong, and erroneously reported information. Question, How do I not generate a score yet have such a delinquent and derogatory credit file, I have NEVER been approved for any credit type never, a credit card or a loan. 
I have less than XXXX in total debt and I'm XXXX XXXX XXXX and I have to many outstanding collections. XXXX  show only XXXX vendors that I owe and XXXX of them is also wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To : Public Servant/trustee/Chief officer for the Consumer Finance Protection Bureau To : Capital One Financial Corporation, Chief Executive Officer, Subordinate officers and directors with the strict liability Notice for the agent is notice for the principal Notice for the principal is notice for the agent On the record, let the record show for the Court of record, for the writing and issuing a summons for the hearing appearance on the breach of contract, duty & trust damage from both of your organizations over the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. HERE THE FTC # 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 explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX account number 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

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 2021-06-02
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
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: Account status incorrect

Complaint:
I paid my credit card in full back in XXXX and the XXXX XXXX has been reporting each month to XXXX and XXXX has not updated my credit card to {$0.00} so my utilization now looks like I am at 85 % and it is affecting my credit history and score.

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