BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended college from XX/XX/XXXX through XX/XX/XXXXand got a private student loan through American Education Services ( AES ) in XX/XX/XXXXfor the amount of {$20000.00} of which I immediately sent {$10000.00} back and only used {$10000.00} for college expenses. I determined after the agreement that I did not require the total amount and rather than cancel the agreement and start over I cashed and sent half back. I have already payed in {$36000.00} and they expect {$15000.00} more or a total of {$68000.00} if I continue making payment per my schedule. Therefore, for a {$10000.00} loan, that was actually used for college expenses, AES is expecting {$68000.00}. This by definition is a scam and no institution should be allowed to make this kind of profit from {$10000.00}. I demand a Class Action Lawsuit to address the AES, who are engaging in unfair business tactics to exploit and scam students and receive a 700 % increase in their investment of only {$10000.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: AR
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:
Reporting act XXXX DATE : XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XX/XX/XXXX, US SM BUS ADMIN date : XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX, also XXXX XXXXXXXX acct # XXXX, XXXX acct # XXXX ALL HAVE 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. 

these accounts and inquires where fraud and not consented by me and should be immediately 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 2023-07-19
Company: JPMORGAN CHASE & CO.
State: OH
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 looking over my credit report and i seen that there were 4 hard inquiries that are unauthorized account that i am unaware about. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB- Card Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: AR
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 am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern.I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. With that, I am asking for your assistance to delete or remove these inaccurate items from my credit file : 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 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 explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Inconsistent information being reported still showing past due when charged off. Date open is inconsistent from each credit bureau. 
XXXX date open XX/XX/2019 Equifax date open XX/XX/2019 XXXX date open XX/XX/2019 Past due XXXX Disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: OH
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America debited {$190.00} from my checking account authorized according to them by XXXX. I do not have an account with XXXX. I do not own a car financed by them and never authorized any transaction.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IDK whats going on with my credit report. I have over XXXX negative impacts that I did not do at all. I was a victim of identity theft and I have been reporting this for a good minute now. I have locked my credit profile so this cant happen any more once all of these negative impacts are removed so please I am begging help me. I cant even buy a house now because of the XXXX. Thank you and have a blessed and wonderful day.

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 2023-10-12
Company: Pharus Funding LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My name is XXXX XXXX and Im a consumer submitting this complaint on behalf of myself without any third party being involved. 

Fraud and racketeering activities have been committed against me by your company which violates my consumer rights and the FDCPA. 

Pharus Funding LLC is using extortionate means to collect on alleged debt I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ).

This notice states that your claim is disputed and validation of the account is required : * Bill of assignment * Purchase Agreement Chain of Title *Proof that you are license debt collector to collect in my state.

* A requested copy of your State Department of Commerce and Insurance Certificate.

Requesting if the Statute of limitation to collect on alleged debt is expired THIS IS A REQUEST FOR ACCOUNTING : REOUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098s ) any and all trades and or investments and/or interests associated with this account of which I am alleged to be a party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
ALL Credit Inquiries with XXXX XXXX need to be removed immediately

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 2021-09-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
There is financial sleight of hand & malfeasance going on at wells fargo ( again ). I have had this happen previously, and finally decided to take the time to report it. 

Whenever I use my debit card, the amount is immediately subtracted from my account. So unless there is an outstanding check or ach payment, the " available balance '' shown in the wf app on my phone should be accurate. 

On XXXX, after transferring {$270.00} to another account, my available balance showed to be approx. {$13.00} in the wf app on my phone. I then bought {$12.00} worth of gasoline. There were no outstanding checks or ach 's. 

The next day in the app, wf showed transactions having " posted '' to my " ending daily balance '' in an amount that they say left me short of covering the {$12.00} purchase and the {$270.00} transfer. So they charged me two {$35.00} nsf fees. They also paid the two transactions and claimed my balance was now - {$180.00} when it should have been positive approx {$.00} or {$1.00} The " posted '' transactions on XXXX in wf 's version of things, show to have been made days earlier, so they had been already subtracted from my " available balance ''. I keep close track of my " available balance '', so I know they had been subtracted already. None of those supposedly posted transactions that day had been {$1.00} holds as wf said to me on the phone, they were authorizations made for the full amount and subtracted from my available balance immediately on the day they were made, then subtracted again from my " ending daily balance '' when they " posted ''. 

The wf app will not let me take a screenshot. What's that about other than preventing people from easily having evidence? 

How can they charge me an nsf for having made a transfer the previous day from one wf account to another wf account? They allowed me to do it because my " available balance '' was sufficient, then the next day they charged me an nsf fee based on debit card transactions having " posted '' that night. None of the newly " posted '' transactions were ach 's or checks, only debit card transactions. 

This means they are telling me that they didn't know those debit card transactions had been made until they " posted '' days later. 

They were very willing to credit me the {$70.00} in fees and did so. But they claim I was short by approx {$110.00} when I know I was not, and my balance shows XXXX while it should show + {$.00} or so. 

This is evidence of fraud on a massive scale, from a company that has been caught cheating their customers previously. 
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 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, XXXX  and Trans Union have all failed me. They must remove this damaging item off of my credit file. This account was already investigated via certified mail back in XXXX and was removed.They have allowed another company to alter information and fraudulently report an account under my credit file again. I received alerts from XX/XX/XXXX and XXXX that XXXX XXXX XXXX opened an account and reported to the 3 bureaus fraudulent information. They remarked my credit file stating that an account for 11-XXXX was set up as new account on XX/XX/XXXX. This issue was already disputed back in XXXX and XXXX through certified mail and was removed from my report because of fraud. This debt does not belong to me. This creditor XXXX XXXX XXXX has opened a new account and added {$1.00} to the previous account reported. The item that was originally removed in XXXX was under XXXX XXXX  for {$400.00}. XXXX XXXX XXXX is reporting {$400.00} to all three bureaus which is not accurate.

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 2023-10-10
Company: EQUIFAX, INC.
State: PA
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:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I submitted dispute twice. Equifax agrees that multiple addresses are wrong and said that the addresses were removed. However, until today XX/XX/XXXX the wrong addresses are still on my credit report. Besides, they disagree with my dispute for the credit account and hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
On XX/XX/2021 my credit card account was restricted because I personally added authorized users to my account. I called and asked capitol one of the amount of users I can add before there would be a problem with the account and they wouldnt provide an answer. I was never informed I would need to provide extra documents when adding an AU Now Im being asked to provide an ID and social security cards of each AU with further risk identity fraud. Capitol One informed me that there wasnt any fraud detected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: W&A Intermediate Co., LLC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I spoke with XXXX XXXX of XXXXXXXX XXXX XXXXXXXX about paying off my balance of {$690.00} ( {$680.00} from my XXXX bill plus interest ). 

I do not know why I was even sent to this collections agency. I paid every medical bill I ever received. They said I had been sent to them by " Pinnacle  XXXX XXXX, LLC, '' a group of ER physicians that I had never heard of or received a bill from. Not knowing what else to do, and being told by in an earlier call that my credit was going to be damaged, I decided to trust their legitimacy and pay the balance. 

XXXX told me that if I paid it all that day, I would receive a 25 % discount. I accepted, and I made a payment of {$510.00} ( auth # XXXX ). 

In XXXX, I was surprised to receive a bill for {$170.00}, but when I called, I was told that the balance would be adjusted off due to my payoff the month before and to disregard the bill. Over the next 8 months, I received regular phone calls from XXXXXXXX XXXX XXXXXXXX, some in person, some automated, telling me that I had a debt that needed to be collected. My extensive XXXX treatments have strongly affected my memory, and I didn't remember dealing with them. I asked that they send me a paper bill and a record of the services I had received each time they spoke to me. They never did. 

Finally, in XXXX of 2022, I received a notice stating that I had been unreachable by phone and threatening that they would soon " have no choice but to proceed with further collection activity. '' This bill showed a balance of {$170.00}. I immediately called, and on XX/XX/2022, I spoke with XXXX XXXX, who assured me that if I made a payment of {$170.00}, it would resolve my balance and close my account with them forever. I made the payment. 

Later that same month, I received another bill with a balance of {$.00}. I called them on XX/XX/2022 and spoke with XXXX XXXX, who told me that the {$.00} would be adjusted off and to disregard the bill. That was the most recent interaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I underwent hard financial times and was constantly harassed by this company, after I repeatedly told them I felt like I was being harassed I was still being contacted. I've had to stop block over 10 numbers to stop the harassment. I can not give specific dates because it felt like it was occurring every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX has furnished a copy of my report to anyone who is a subscriber, without verifying the debt. They issued XXXX credit reports mine to Portfolio Recovery, when Portfolio did not have a debt to report. 

XXXX claims to have investigated XXXX XXXX XXXX, listed in my dispute letter, when XXXX has not responded to date on my dispute of their debt, and written letter sent certified in accordance with FDCPA rules. They ( XXXX ) and XXXX continue to report a debt that neither can validate to this consumer. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: GA
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. 


Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

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 2023-10-09
Company: EQUIFAX, INC.
State: NJ
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 am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 response to consumer: Closed with explanation