BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-21
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We received a notice from a dept collection agent that we owed XXXX XXXX  approximately {$500.00}. We have not done business with XXXX in well over 15 years. In fact the last time we did do business with them, it was to sue them and we settled for about XXXX. I was in XXXX by a non-insured motorist in 2006 with no drivers license, no insurance, and driving a borrowed vehicle. I was almost paralyzed, my truck was totaled and I had to apply everything to my own insurance. XXXX immediately gave me the run around so we sued and eventually settled for XXXX. This bill from a collection agency is clearly way past any statute of limitations. This agency has clearly bought this bill hoping for some kind of resolve, but we NOT are recognizing this as a legitimate debt. 

We have sent them a letter and asked them to discontinue contacting us under the Federal Fair Debt Collection Practices Act under Section 1692C Title 15, they must discontinue contacting us, for debts that are clearly not legitimate, but they have not. We have received another letter from them clearly ignoring our request. 

We are therefore filling this formal complaint with the FTC.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've been paying Equifax a {$9.00} Recurring monthly charge for Equifax XXXX subscription Since XX/XX/2022 with this subscription Equifax promise Daily credit score and credit report. They failed to provide me with updates on my credit score and credit report. I contact them multiple times about the issue they ask me to send my ID, SSN, and proof of address i did that multiple times and they still haven't resolve the issue and i'm still paying for the subscription.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: American First Finance, Inc.
State: FL
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:
In response to many complaints that I have submitted against American First Finance. My name is XXXX XXXX, a federally protected consumer, an agent and principle, holder in due course and attorney in fact to XXXX XXXX. 

I've sent American First Finance a cease and desist via the CFPB and certified mail.

It is ordered to American First Finance to cease communication with me.

The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium pursuant to 15 USC 1692a ( 2 ). As you should be aware that a credit report is a medium.

So why is American First Finance still communicating with me by furnishing an account to my consumer report?

Im aware that a Charge Off by law is the writing off of a debt and the termination of collection activity without release of personal liability. Im aware that write off is removing this asset from the accounting books.

I'm aware that collection activity is American First Finance furnishing this alleged debt to my credit report to coerce me into paying this debt. 

I have not received a 1099 for this and im aware that American First Finance is furnishing their adjusted gross income on my credit report because they wrote this debt off.

Im also aware that American First Finance is furnishing false and misleading information on my credit report because of their actions.

So if a Charge Off by law is writing off a debt and the termination of collection activity, why are you still reporting this on my credit report?

So now Im asking for verification of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Subject : Complaint of misleading customer Dear Sir/Madam, I installed XXXX XXXX on XX/XX/XXXX from company XXXX XXXX XXXX XXXX XXXX Total price of installment was {$13000.00}. I was offered a financing option from their contact ( company who installed the HVAC ) bank ( HOME DESIGN/SYNCHRONY BANK ). XXXX XXXX from heating and cooling company called me and told me they have sent all documents to bank and the installment is {$340.00} per month. They told me they will provide the me link to setup payment. I asked them what are terms and conditions. They told me whatever installment plus {$29.00} per month service fee. I told them it is not bad deal. I setup auto pay for total of $ XXXX and started paying. 
On XX/XX/XXXX my remaining balance was {$7800.00}. On XX/XX/XXXX I got an email stating that my remaining balance is {$13000.00} adding all the percentage of interest from beginning ( total $ {$5500.00} ). I paid all those months to pay again. I was really sad. I called the bank about the situation they told me it was a promotion at that time. Because of not paying off all loans within that promotion period interest was added from beginning. They told me they can not do anything about it. Heating and cooling company directed me to bank didnt satisfied me why would they not let me know about loans terms and conditions. 
In this situation I am feeling I was misled from heating and cooling company. The person who contacted me about financing options was not serious or careless who failed to explain me about loans terms and conditions that cost me extra {$5500.00}. 
When I received a link to setup payment there was a set amount. They knowingly set my monthly payment lower so that they could claim the more money. I had never heard of this in my life. I didnt not have any option to change the monthly payment and I did not set up amount. The set amount was less so I could not pay off with in the promo period. I did not pay attention to those emails until XXXX of this year XXXX because I had auto pay set up and having that amount ready in my account. I was never missed any monthly payments. 
In short I was not told the terms and conditions of the loan so I believe I should not pay the interest from beginning again. I am happy to pay whatever the interest is to remaining balance or I can pay off remaining balance altogether.

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 2023-01-31
Company: Experian Information Solutions Inc.
State: CA
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 XXXX has violated y rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2017-03-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've sent numerous certified to which I get verified back .... the debt collector can NOT validate this debt therefore how can it be reporte. The agency has not done their due diligence and provided me with any valid paperwork. I am uploading the letter sent from merchants credit saying THEY CAN NOT VALUDATE THIS DEBT

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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2020-10-16
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO JEFFERSON CAPITAL SYSTEM. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$8300.00} does not belong to me. This account was fraudulently opened through this company JEFFERSON CAPITAL SYSTEM in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
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:
I have submitted a complaint against this erroneous information 4 times already and every time Transunion has fail to provide the proper files to verify the accounts being disputed. I demand the First initial contract with my signature on them that you Transition have on file before reporting them on my consumer file. 

XXXX Submitted on XX/XX/2022 to TransUnion Consumer Solutions XXXX XXXX on XX/XX/2022 to TransUnion Consumer Solutions XXXX XXXX XXXX XX/XX/2022 to TransUnion Consumer Solutions XXXX Submitted on XX/XX/2022 to TransUnion Consumer Solutions My credit report File Number XXXX XXXX XXXX so you don't reply as if you can't locate it.

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 2023-06-05
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-01-01
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I obtain notice that there was a debt owed to said company. It is my belief that the debt was due to fraudulent activity. I tried with no avail to discharge the debt using my rights under HJR 192 73-10. and 18 USC 8 all debts are the obligation of the UNITED STATES. They are in violation of ( FDCPA ) Fair Debt Collection Practice Act 806 807 ( 2 ) ,812,15USC 1692 ( c ) ,15USC 6803,28USC 3002 ( 4 ) ,18 USC 3333,12 USC 1431. Civil rights violations 42 USC 1983,1985,1986,1988.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person I am a living human being ; I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts the accounts listed below be removed because.

According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Bridgecrest Acceptance Corporation
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
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. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for dis purpose.

46.7K

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had been looking to start a business and was looking online for XXXX XXXX vending machines. 

I found some on a website called XXXX and was chatting with the manufacturer, it seemed legit and paid them everything they asked for and never received my items I havent been able to get a hold of them and was reading online that XXXX is a scam and people are forced to fork out thousands of dollars to fake XXXX manufactures that never deliver the product I need support with these fraudulent scam transactions please and thank you XX/XX/2023 - {$1300.00} XX/XX/2023 - {$4600.00} XX/XX/2023 - {$4400.00} XX/XX/2023 - {$510.00} XX/XX/2023 - {$5600.00} I did contact our local XXXX Police Department and XXXX report for these fraudulent transactions and being scammed, they advise me to file an XXXX report with the FBI, which I did as well. 

The detective approved my claim

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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 SC XXXX You are in Direct Violation of The Fair Credit Reporting Act : XXXX XXXX  /Account number XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have a right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

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 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I sent letters to the credit bureaus on XX/XX/22, XX/XX/22, and XX/XX/22 requesting they provide proof in the form of payment history on the attached accounts. The payment history would prove the late payments as well as verify the reporting balance. Nothing has been provided to date.

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 2017-07-04
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am on a fixed income. During the period X/XX/2017 thru X/XX/2017 my bank charged me {$430.00} in returned check fees, {$72.00} in overdraft fees, refunded {$72.00} in returned check fees because {$36.00} was charged in error and the other {$36.00} was because overdraft was not covered in 5 days. I get a check once a month and the bank is well aware of my situation.The amount they charged me is equivalent to 3 weeks groceries. I called the bank and complained first to a teller then to a supervisor and then to a manager and the only thing they would do was refund the {$36.00} for the second fee on a returned check. They just charged me {$140.00} in three days because some eft payments were not paid because of insufficient fees. One for {$5.00} which they charged me {$36.00} for. This bank is robbing me blind. Charges last year were almost {$800.00}, most of them the day before my deposit went in. I have automatic deposits and they certainly can see when they are coming in. I would appreciate anything you can do to get my money back and to stop these insane charges.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: MT
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 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 non-monetary relief
Consumer complaint received 2023-02-07
Company: W&A Intermediate Co., LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to contact the collector over the last several days to have items removed from my report that are not mine. The company is not licensed in the state of florida and will not remove items that are not mine, I was told they bought out a company and obtained the debt from them even though those debts were removed by the old company from my report. 

this is the email is ent this morninhg they refused to send me there lincese and legal department names ... ..... 

Please be advised that the following debts do not belong to XXXX XXXX. See attached Documents. We have several times called emailed and mailed over the last few weeks with no response by anyone to resolve. 

Today we copy the CFPB, FTC and our lawyers to come after you for {$1000.00} per debt that you wrongful and illegally placed on our credit reports. 

They are to be removed at once, Attached is the licensing agreements with the XXXX  which you are not licensed to collect debts in the sate of Florida, If this is a valid debt the following must be provided 1.the original WET signature on any contract 2.The original Creditor information 3.Payment and billing history 4.Proof of ownership and authorizing for the debt These are not my debts attached i never seen these people they must be removed

Company response to consumer: Closed with explanation