BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: FL
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:
Please consider this as my formal complaint to the EQUIFAX for allowing the fraudulent inquiries and for not taking corrections on my credit report. I sent out my dispute letter dated XX/XX/2023, with the identity theft report number XXXX. They also allowed the fraudulent accounts to be reported in my credit file with the identity theft number XXXX. As I checked my credit report these are unauthorized hard inquiries and fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Maximus Education, LLC dba Aidvantage
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took a loan out for a little more than XXXX from XXXX XXXX in 2006... I have since then paid over XXXX back and still have over XXXX in interest to still pay. I know that it went to another company maybe even XXXX. navient and or aidvantage. I have already made a complaint about this and XXXX XXXX said it wasnt them?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  I Account # XXXX, XXXX XXXX  XXXX  I Account # XXXX, XXXX  XXXX  XXXX  I Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I am permanently banned from using PayPal and I am extremely dissatisfied with this decision. I have been a loyal customer for several years and have never had any issues with my account. I believe this ban is unjustified and I request a thorough investigation into the matter. Furthermore, I demand that my account be reinstated immediately, as this ban is causing significant financial harm to me and my business. I look forward to a swift resolution to this matter. 

My Paypal Email Address : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Account status incorrect

Complaint:
I was deceived and pressured into a " timeshare '' purchase in XX/XX/XXXX. ( I request that you also have an option of " timeshare scam '' on your website. Why don't you? The FTC acknowledges that timeshares are a huge scam that pressure and harm consumers, and we really need CFPB to stop the abuse of American Consumers. ) Anyway, after falling for the timeshare trap, I continued to pay the bills monthly as required until the timeshare agreed to work with me so that I will be released from the contract. On XXXX, I had spoken to XXXX of the timeshare. She explained to me on that day that their legal had put a hold on my account on XX/XX/XXXX to put in foreclosure and work on a DIL because I complained to them repeatedly that they scammed me. I asked, " How can I be in foreclosure when I never missed a payment and I am up to date! '' After that, I spoke with my lawyer that I hired specifically to deal with this XXXX. After we all officially agreed with the timeshare for them to release me, as I was waiting for all the paperwork to go through on THEIR side, they were reporting me as " delinquent '' monthly while we were waiting on them to complete their share of paperwork.

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 2023-04-11
Company: Experian Information Solutions Inc.
State: FL
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:
A XXXX U.S. citizen fighting for his right to privacy. I have never given my consent in writing or otherwise for my personal nonpublic information to be made public with any company or institution. 



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. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
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:
I was charged extra auto insurance and fees even after providing statements

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In late 2013, I contacted my mortgage company ( Wells Fargo ) regarding modification to an existing loan. I was having difficulty financially and saw federal government advertisements on tv & on billboards for loan modifications for those who are struggling. These ads stated that in order to avoid foreclosure, contact your mortgage company for assistance - that 'help was available '. When I contacted Wells Fargo, they said they could not help me " because I didn't make enough money ''. At this point in time, I had not one single late mortgage payment but simply needed help to make the payments more manageable & avoid foreclosure. 

I feel this was an error on their part & that because of their bad business practices, I was forced to relocate out of state & sell my home at a substantial loss. I wish for this case to be reviewed & Wells Fargo be held accountable for any erroneous business practices.

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 2018-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Today XX/XX/2018 a flyer was left in my gate wich said to call this phone number- XXXX. The phone recording says is Bank of America and ask for the social security number. There are other complains about this and I think it is a scam to steal identity. My ring cameras recorded the car and the person that left the flyer I have the video.

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 2022-03-21
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the date of XX/XX/2022 to XX/XX/2022 I was having an open house and during that time my phone and my wallet were taking. I noticed on the XXXX where I can find my phone that morning and I try to find it and find it and deal with the open house at the same time when the open house was done so can not find my phone so I went to find my wallet and I can not find that neither how much time in the next day thinking I just left it somewhere or missed placed it. At what time finally I grabbed another device XXXX now this was the evening and logged into and found the phone was elsewhere at this time I remotely disabled the phone and remotely wiped it back factory reset it then I just had to look to the banking accounts on the XXXX and I seen that XXXX transactions were going at this time I immediately contacted all the financial services and canceled cards closed and shut off cards and everything so they can not be accessed anymore upon the next morning I filed a dispute on all charges as you can see Ive never charged into these places before with sound Im going over to XXXX and XXXX and everything else ATM withdrawal. I figured they hacked my phone to bypass the password which is very easy nowadays nothings truly locked when it comes to a phone. What is a Financial services have reclaimed my money and if you dont new cards and new protections to lock but still have one company that has denied every single claim they denied the ATM claim plus all the other charges heres a list of everything they denied. 
XX/XX/2022 {$55.00} ( XXXX XXXX  ) XX/XX/2022 {$100.00} ( XXXX XXXX  ) XX/XX/2022 {$100.00} ( XXXX XXXX  ) XX/XX/2022 {$40.00} ( Sent money to XXXX XXXX  account ) XX/XX/2022 {$210.00} ( Send money to XXXX XXXX account ) XX/XX/2022 {$67.00} ( House of valor $ XX/XX/2022 {$700.00} ( ATM Withdrawal ) I cant believe that theyre denying us its like I wish they wouldve shut the card off as soon as them Weird charging start popping up. XXXX say I had claim with XXXX XXXX  with you guys and you guys made that get corrected and finally taken care of and I was at that with them for months until I finally found your services here so thank you for that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: BTH Management
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditor : PLAZA SERVICES Collection amount : {$7600.00} I noticed that the Debt in the amount of {$7600.00} has not been reported to XXXX but is reported to XXXX deeming this Information to not be 100 % accurate, inconsistent, and is not reported to all bureaus. The Fair credit reporting act states that all information reported to credit bureaus has to be 100 % accurate. If this debt is accurate why is it not being reported to all XXXX credit bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Experian Information Solutions Inc.
State: MD
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 did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 {$0.00} 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 non-monetary relief
Consumer complaint received 2022-03-21
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX, a federally protected consumer, is writing this complaint against LVNV funding LLC and XXXX XXXX XXXX. On XXXX I sent a letter regarding cease & desist, validation of debt, and AFFIDAVIT OF TRUTH. To this day more than 30 days later, I have not received a response to my request and I know it was received because I have certified XXXX receipts. I feel like my request have been completely disregarded and ignored. Sending copies of a bill does NOT validate a debt. I demand a complete audit trial and the journal and ledger of the debit and credit entries according to the IRS publication XXXX. I do not owe this alleged debt and I demand it be removed from all consumer reports, according to Section XXXX ( a ) it states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report and it has been more than 30 days so they should be deleted promptly. I demand this inaccurate accounts be deleted immediately or I will file for litagation due to the stress and anxiety you have caused. My information was also impacted by the XXXX databreach as well and may have been exposed to the wrong person. Im not sure how LVNV funding or XXXX XXXX XXXX even obtained my all my personal information to contact me in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Monterey Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing regarding a retail installment contract with XXXX XXXX XXXX ( hereinafter referred to as XXXX ). I purchased a vacation discount club package with XXXX in XX/XX/2018 for the purchase price of {$4800.00}. The contract provided a membership in XXXX for 30 years. XXXX made promises to me for a variety of services which would continue for the 30-year membership. XXXX is now out of business. 
Apparently, XXXX assigned the contract to Monterrey Financial Services. Because of XXXX insolvency, there has been a failure of consideration as I am no longer required to continue this debt obligation. Monterrey recourse is against XXXX. Monterrey has taken any to impugn my credit, and are now in violation of the Fair Debt Collection Practices Act. I have tried numerous times to contact XXXX to get confirmation that my account is closed and have been unable to reach anyone. I have spoken to the fulfillment company Save On resorts who responded to me on behalf of XXXX  which I did not understand, but I have attached a copy of there response to this request as well. In short they where unable to contact anyone at XXXX and informed me that Monterrey would be able to close my account. Unfortunately Monterrey will not close the account and are holding me liable to pay for a service that is not available to me. I reached out to an Attorney who was able to serve Monterrey with a cease and desist but that did not stop them from finding new methods of harassment. This is a crime. I was able to get them removed off my credit report when they first attempted to post something derogatory against me, but they have since come back and changed the name of their company in order to re-post the negative statement on my credit report. They have changed the name of the original creditor and their name to keep the post on each time I dispute it. They did not sell it to another company, because they keep the name Monterrey in the naming convention. They are also damaging my credit because I have refused to pay for a service that I am unable to use nor have any interest in. But because I have been unable to speak to anyone with XXXX, Monterrey will not close out my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
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 XXXX Account # XXXX, has violated my rights. ( Inquiries ) -- - 1. XXXX - XX/XX/2021 XXXX / 2. XXXX - XX/XX/2021 XXXX / 3. XXXX XXXX XXXX  XX/XX/2021 Experian / 4. XXXX XXXX XXXX Mortgage Companies XX/XX/2021 Experian / 5. XXXX  XXXX  - Mortgage Loans XX/XX/2021 - XXXX / 6. XXXX XXXX Mortgage Companies XX/XX/2021 XXXX / 7. XXXX - Mortgage - XX/XX/2021 XXXX / 8. XXXX - Mortgage - XX/XX/2021 XXXX / 9. XXXX XXXX XXXX - Mortgage Companies XX/XX/2021 Experian / 10. XXXX - Mortgage - XX/XX/2021 XXXX / 11. XXXX XXXX Mortgage Companies XX/XX/2021 Experian / 12. XXXX XXXX  Mortgage Companies XX/XX/2021 XXXX / -- 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 2023-01-20
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
National Credit Adjusters, XXXX, Kansas, put a delinquent Pay Day Loan on my XXXX Credit Report. NCA # XXXX ( XXXX ), My credit has been frozen with XXXX, XXXX and XXXX for over two years. Fraud Alerts were also on file with the three agncies. The Pay Day Loan should have never been approved. The loan was in the {$600.00} range in XX/XX/ 2022, and now the laon amount is {$870.00}. The laon was made online? I did not make this loan application. I have never received a phone call ( voicemail ), text, email or USPS correspondence about this fraudulent loan. It suddenly appeared on my XXXX credit report as a collection by National Credit Adjusters, XXXX, Kansas XXXX... .... I want all this removed from three credit reports!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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