BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: Collection Management Holdings, LLC
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My husband bought a truck from XXXX XXXX XXXX while I was at work. He got it a few months before he passed in XXXX XXXX XXXX It wasn't even tagged yet due to covid shutting down the tag offices in our areas. I didn't know till after he had passed and I voluntarily surrendered the vehicle and it ended up tanking my credit XXXX XXXX  that my name had been forged and it was on my husband 's truck. I sent them an email saying we loved it but I couldn't afford it. They then tried to get my insurance for XXXX worth of hail damage that was already on the vehicle. That got denied then they sold it and want me to pay the difference. I have no job and XXXX XXXX. I have no extra money to pay the difference is XXXX XXXX Unfortunately I just don't have that kind of money. They sent me a paper saying I'm going to be taken to court but no court date has been set and I am trying to get a home for me an my children and this is really hurting my credit. The place contacting me is XXXX XXXX XXXX I've tried sending proof of the signatures not matching. That I was at work during this time. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: WELLS FARGO & COMPANY
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was formally a long term and loyal customer of Wells Fargo Bank XXXX. I had both personal and XXXX checking and XXXX account. 
I have had issues with customer support online and on phone. They would leave me on hold for hours, and transfer me to the wrong department etc. They declined my ppp loan even though I was qualified, and when another local bank approved me, I systematically closed every account. Ensuring they were all in good standing and I owed nothing. I recorded them stating as much via phone calls with them. Because I wanted to be done with them, and have no further dealings. 

Several months later I get a letter saying they were mistaken that I did in fact owe on a business credit card. But I have the letter saying my security deposit for my secured card was returned due to me not owing a balance. 

Even the letter clearly states that they made a mistake. I do not owe them. I proof that I close that account without a balance, and I will not pay, for their mistake.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: MN
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 REQUEST NOT A DUPLICATE* I love the fact that people are working for this company and DONT KNOW THE LAW They truly are not investigating nothing. THEY DO NOT SEND OUT UPDATED REPORTS. THEY DO NOT VERIFY INACCURACIES AT ALL. I WORK IN CREDIT REPAIR AND I KNOW THE LAW. I ALSO KNOW I CAN SUE THEM. FOR THE FOLLOWING : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. They are reporting this account every month since XXXX as a XXXX trying to make it newer than what it actually is which is a misrepresentation of account status. WHICH IS AGAINST THE LAW. DELETE IMMEDIATELY XXXX. They have the same account listed twice on my credit report as XXXX XXXX XXXX XXXX  if you investigated like you said you do, you would know THIS IS THE SAME ACCOUNT!! Reporting as XXXX on my credit report every month as a newer account when this account is listed as closed since XXXX. Another misrepresentation of account status. DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX claimed ND on my credit report for 2 years now showing as XXXX all of XXXX. Misrepresentation of account status DELETE IMMEDIATELY. Trying to report the account newer than what it is. 
XXXXXXXX XXXX XXXX account listed as XXXX and Repo date XXXX. Did not give me a chance to repurchase the property. Did not invite me too the auction. They failed to try to recoup any money. I AM CHALLENGING THIS. SEND ME WHERE THEY DID THIS! 

You can keep lying to CFPB and telling them you are sending me method of verification letters. I know you are not, and I have every dispute, every letter, every phone call conversation and so does my attorney.

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 2023-09-20
Company: EQUIFAX, INC.
State: CT
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:
Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per XXXX U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. & quot ; This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX collection is from medical payment, the payment should be my previous insurance company cover the bill, but I dont know why I got the collection, no one call me or mail me. And I dont even know is what kind of bill it is. The amount is {$1700.00}. The date is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
I DO NOT RECOGNIZED ANY OF THESE HARD INQUIRIES : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, 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:
COMPANY XXXX XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF XXXX XXXX XXXX. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My gap coverage sent Truist a check to pay off the loan, there was money left over to be refunded to me. Truist cashed the check and kept the money that was to be refunded. I've submitted complaints and Truist responded they didn't receive the check. The gap company sent me proof that the check was cashed by Truist bank, so their response that they didn't receive the check is a lie. 
I have everything Truist sent me denying that they received the check, I also have proof they cashed the check in XXXX. 
I now want to discuss damages in the form of mental anguish, and inconvenience for the past 3 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: MS
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: Problem with personal statement of dispute

Complaint:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is affecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The bureaus reporting are XXXX, Equifax, and XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, 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:
I am writing to express my discontent with your recent claims concerning my accounts. I hereby dispute these assertions due to a lack of substantial factual evidence supporting your allegations. Therefore, I strongly urge you to initiate a comprehensive investigation into these matters promptly. 

These claims have cast a significant shadow over my financial standing and hold the potential to cause considerable harm to my creditworthiness. It is imperative that we swiftly and accurately resolve this situation to prevent further detrimental consequences. 

I request that you promptly challenge this account and provide me with well-documented evidence to support your position. Failing to do so will compel me to pursue legal action to protect my rights and rectify this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Problem with personal statement of dispute

Complaint:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is affecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The bureaus reporting are XXXX, XXXX, and TransUnion. 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 non-monetary relief
Consumer complaint received 2021-06-02
Company: DISCOVER BANK
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:
the account was never authorized to report on my credit, please see the account below : Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: LA
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:
Credit reporting agencies are governed by 15 USC 1681. After providing my vital information Equifax, XXXX, and XXXX disregards my protected rights under 15 USC 1681 and continues to violate my rights over and over.

According to the FCRA AKA 15 USC 1681 i never authorized any credit reporting agency to report such item ( s ) /Account ( s ) to my credit report. I demand the account ( s ) listed herein be REMOVED/DELETED from my credit report. 

I have not received any response from Equifax, XXXX, and XXXX by mail or email. Equifax XXXX, and XXXX has failed to verify its method of verification as required by the FCRA. 

Under 15 USC 1681 I have a right to privacy which have been violated several times and for the record Equifax or its agents never had my consent/permission to furnish such account ( s ). 


Regarding this matter if Equifax, XXXX, and XXXX choose to continue to violate my rights please provide a statement signed under penalty of perjury of the account ( s ) mentioned herein as being VERIFIED and explain how it was VERIFIED if so due to Equifax, XXXX, and XXXX inaccurate/false reporting. Please attach if any an authentic signed contract whereas I gave Equifax, XXXX, and XXXX permission to report this account ( s ) mentioned herein as it will be used for my own and a judge 's inspection if this matter escalates XXXX XXXX to contest these matters. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX ATTACHED- FCRA With section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Contacted Bank of America in XXXX to advise we are being billed " Account Analysis '' fees for " Full Analysis '' checking accounts with XXXX. After advising Bank Of America that we have not used XXXX  for over a year and that our business accounts should be setup as business advantage instead of Full Analysis, I was told they would resolve this by changing accounts to business advantage and credit back the fees. 

We have 5 checking accounts with them. I advised we don't need that many accounts and I would be glad to consolidate some of them but was told it would not matter as they are all part of same relationship. 

I have had several email and phone exchanges asking for status updates. I have called their general customer service number and was told the fees would be refunded. Its been more than 7 months without this being resolved. 

I also learned that a PPP loan did not qualify as a credit or lending relationship and that I would have to open an additional line of credit / credit card if I wanted to have wire transfer fees waived which I applied for after learning of this. 

XX/XX/XXXX - Emailed my account management team about excessive fees totaling approximately {$500.00} and that we are not using the XXXX service and need it cancelled. 

XXXX - XX/XX/XXXX - I called their general customer service line and was told they were escalating the case and putting a request in for fees including XXXX. 

XX/XX/XXXX - They emailed me back stating the refunds are still pending. 

XX/XX/XXXX - They again emailed me stating the refunds were still pending. 

XX/XX/XXXX - I replied to the email that they are still charging me the fees and I had noticed new fee charges. 

XX/XX/XXXX - They credited back the fees charged on XX/XX/XXXX but none of the fees before that. 

XX/XX/XXXX - I emailed my account managers stating the credits were not processed. I have not received any response or follow-up. 

I am attaching one of the email chain threads to this complaint. 

Total fees were {$2900.00} for several months. 

The amount Bank Of America has yet to credit is {$2200.00}. They should have the case details as I had opened at least 2 cases about this, one with my account management team and then one with their general support team.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Acct # XXXX, XXXX XXXX, Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX  XXXX, acct # XXXX, XXXX, acct # XXXX, XXXX XXXX Acct # XXXX, I XXXX XXXX Acct # 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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