BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: Pivot Rock Solutions, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
A payoff statement was requested in XXXX  and XX/XX/XXXXXXXX Remittance was submitted to pivot rock solutions. A form 1099c was filed for XXXX  tax year without prejudice and accepted by the IRS. A 1099-C was sent to Pivot Rock Solutions at the beginning of XXXX. Per the IRS, consumers are not required to report both the income and pay of the debt after it is canceled or discharged. In re Reed, XXXX  PTC 105 ( Bankr. E.D. TennXXXX XXXX ). Pivot rock ceased communication on Friday  XX/XX/XXXX. I woke up to leave for work and my truck was missing. Per most recent email communication they closed the file and transferred the account back to The XXXX XXXX on XX/XX/XXXX. I was told to direct all communication to The XXXX XXXX. Pivot Rock Solutions is the lender for the buy here pay here program with The XXXX  XXXX. They also have breached the contract with numbers not adding up correctly, and city taxes not being stated on the Department of Revenue Standard Sales Tax Receipt, but they are on the Buying order. I believe the calculations are incorrect. On Friday XX/XX/XXXX XXXX XXXX XXXX, illegally repossessed the XXXX XXXX XXXX. Creating disruption of the quiet enjoyment. Appointments were missed, and emotional distress was caused to the trustee XXXX XXXX XXXX. I spoke with the Finance manager XXXX XXXX at the XXXX XXXX, and she transferred me to General Manager XXXX XXXX. He laughed at my pain, he said the 1099c form was not filed, he told me i should pay my bills and kept laughing at me. I asked if we could solve this and he told me to get my lawyer. I have left several messages and emails to the XXXX XXXX, with no response from them. XXXX XXXX XXXX filed taxes and paid taxes on the income notated on the 1099c ( attached ). A UCC 1 financing statement is on file with the Colorado Secretary of State ( see attached ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am trying to access a portion of my unlimited credit and Truist will not let me do so in any form. I applied for a personal loan on XX/XX/XXXX and was denied as well as I have been denied for every credit card I have applied for with Truist. 

They also closed my personal checking account and business account for being in the negative, due to fraud, and identity theft. They didn't even care to take the police report about my stolen identity or my side of the story until I reported them. I am recently finding out all of their denials and account closings are illegal. Not being able to access credit has cost me dearly. 

I need to know all the factors underwriting used to deny my consumer applications based on the law, and what laws did they use to close my accounts? 

I also, need to remind them that their policies are not in alignment with the law according to 15 U.S. Code Subsection 1611 for willful and knowing you are in violation as well as the securities and exchange act of 1934, and CFR 321, 328.6 and adverse action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is a valid debt. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

Account Name : XXXX Account Number : XXXX Reason : XXXX Account Name : XXXX XXXX XXXX : XXXX Reason : XXXX Account Name : CAPITAL ONE Account Number : XXXX Reason : Creditor agreed to delete Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : The account is fraudulent Account Name : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Revco Management, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Revco Solutions at XXXX XXXX XXXX, XXXX, OH XXXX has been contacting me regarding my portion of a XXXX Bill which I have disputed with XXXX. The medical bill involves a surgical test for a XXXX XXXX, where they take a XXXX sample and send it to a special lab for analysis for XXXX XXXX XXXX. I am XXXX. 

The lab was closed for XXXX and so I was told there would be a delay. 

The lab never reopened and thus I have a permanent scar, no results, and no way of getting results. Thus the entire procedure was done under false pretenses. 

I have contacted the hospital numerous times and got the runaround because they could not provide the results. 

I contacted Revco and explained the situation in writing. I told them to provide the medical results within 5 days to verify the debt, and no information was provided. 

They have continued to contact me when I told them not to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
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 XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX and XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX # XXXX and XXXX 15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A. SECTION 2 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 REPORTS CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATESYTHE REPORT BY MORE THAN 7 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 THE INFORMATION IS INACCURATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: TN
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'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.

Company response to consumer: In progress
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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. 

The list of account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I recently checked my credit report and realized that these accounts are fraudulent. These accounts negatively affecting my account and hindering me from purchasing a home. I want these accounts 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 2023-03-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-03-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have/had 2 credit card accounts with Bank of America since XXXX. I had been charged annual fees on both accounts until approximately XXXX. When I called and asked why I had been getting charged an annual fee ( on both accounts ) and what benefits I gained from having to pay these fees. I was informed there were no benefits and they didn't know why I was being charged. I asked for a refund of all the fees paid, but was denied. MAYBE the exception was the current year 's fee, but I don't remember for sure. I wrote a letter of complaint and was further denied. A representative did call me and we spoke about it, but was told I waited too long to request a refund. I was not happy, but had no choice but to accept it. One account has been paid in full since, but there still is an active account with them now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with Wellsfargo and several days later they closed my account for no reason. I had initially funded it with {$50.00} and wellsfargo pulled the money from my bank account but never returned it. Called then multiple times and they said the check was in the mail or they never received it. Got runarounds from different department. Never would bank with them again

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 2023-06-07
Company: Experian Information Solutions Inc.
State: NY
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 try to get these accounts, correct I remove and the credit bureaus still havent done anything so I ask please to remove these accounts are correct these accounts my credit report should be 100 % accurate because I was never late with my credit card payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was in the process of filing a small claims case against merchant. The FTC website explained a charge-back dispute option which opens an investigation of merchant resulting in obtaining a rebuttal of dispute. A temporary credit was posted on my account and I began using it to continue my project which merchant delayed when they breached our contract. I faxed all requested documentation and I was assured investigation was under way. 
Within days of credit being applied to my account, it disappeared off my account and was reposted as a purchase on account. My credit scored tanked, my minumium payment went from {$89.00} to {$600.00}. My credit limit is {$5500.00}, my current balance is over {$8000.00} and swelled to over {$12000.00}. How is this possible? My credit usage went from 52 % to now 191 %. And this is literally in one statement period. Its debt creation, illegal and I'm now in financial ruin. I'm unable topay my minumium payment, late fees are accumulating, interest and now, no investigation I was expecting a rebuttal from was conducted and the bank claim of contacting the merchant was false. The time limit to dispute this charge has past. Why was the dispute even filed then? I'm XXXX, on strict budget and need help! Please and thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I checked my credit to see any an old account from XXXX XXXX that was paid off and should be deleted. I was told once full payment was made, the account would be deleted within 30 days. Its been a few months and its still not deleted.

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 2023-03-27
Company: Possible Financial Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Im getting reported late on a loan that I did not apply for the app automatically requested loan I did not sign up for taking out of my account without permission and marking me late for miss payments and charge off

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: TX
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: LA
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:
This company XXXX XXXX Acct # XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX  account number XXXX In litigation for vehicle illegally repossessed constant harassment from collectors XXXX XXXX account XXXX Account isnt mine never authorized the account XXXXXXXX XXXX  account XXXX Never had account and it says account is XXXX XXXX XXXX but keeps getting sold to new collector All 9 inquiries are potentially fraudulent as I havent tried to use my credit in three 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 non-monetary relief
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: NY
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:
This complaint is in regards to the late payments that are being furnished and reported by on my consumer report by Equifax. 

I have the right to privacy. XXXX XXXX XXXX XXXX  never disclosed to me that I had the option to opt out of my non public personal information being disclosed to any non affiliated third party. Furthermore, transactions or experiences between consumer and the person making the report are to be excluded from consumer credit reports. My consumer rights are being violated. XXXX XXXX XXXX XXXX  did not receive any permission from me in writing, verbally or otherwise to disclose any of my non public personal information to any non affiliated third party and I was never given the opportunity to opt out of my non public personal information to be disclosed to any non affiliated third party. Your company have assumed a vital role in assembling and evaluating consumer credit and other information and are obligated by law to be fair, impartial and respect the consumers right to privacy. I am requesting that the following items be removed from my consumer file. 
1. 30 days late 2. 60 days late 3. 90 days late Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: VA
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 been in a tug of war Wirth Experian since XXXX XXXX  about an account that has been paid and settled in full.

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