BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-27
Company: Global Lending Services LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I was not able to extend my credit to myself for personal use. I have not been able to live. Its been a hassle with all of these fraud errors on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: TN
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 2015, I XXXX XXXX entered Into a consumer credit transaction XXXX XXXX which became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A 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 By willfully doing this XXXX  XXXX has violated many laws according to truth and lending & fdcpa .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I attached my license and will be mailing my invoice.

Bank can not lend money ....

In the federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, indorser, or guarantor for him. Farmers and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 11 F 2d 83, 271 U.S. 669.

A national bank has no power to lend its credit to any person or corporation. Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.

A valid rescission of a credit sale contract does not render inoperative the disclosure requirements of the Truth in Lending Act, as creditors obligations to make specific disclosures arises prior to consummation of transaction. Truth in Lending Act Section 102 et seq., 15 U.S.C. Section 1601 et seq. ; Truth in Lending Regulations, Regulation Z, Sections 226.2 ( c ) 226.8 ( a ), 15 U.S.C., following section 1700. ONeil c^ 484 F.Supp. 18.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: R & B Corporation of Virginia
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: Investigation took more than 30 days

Complaint:
I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX regarding an account being reported by CREDIT CONTROL CORP ( Original Creditor : XXXX XXXX ) XXXX The letters were sent to both the credit reporting agencies and the collections agencies. informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. These medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

Both XXXX & XXXX deleted it from my credit report but XXXX failed respond to any of my complaints, ignored my request and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report and until this day the information is still being reported inaccurate and false information is being reported.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
And according to the fair credit Act the list of accounts Below have violated my federally protected consumer rights under the 15 us 1681 Account Name : 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 subsection 602a States I have the right to privacy subsection 6:04a section 2 it also States a consumer reporting agency can not furnish an account without written submission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-04-05
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I filed a complaint with the Consumer Financial Protection Bureau, under complaint number XXXX. Against Medicredit for account number XXXX. 

The company responded with a copy of some documents that do not belong to me. They attached an invoice under the name of XXXX XXXX XXXX and some other contract that I did not sign. 

The documents they provided appear to be medical and it mentions XXXX XXXX  XXXX from the XXXX. If this was the case with another patient, how did the patient sign that document?. Also the document they provided does not have my signature because I have not been in that situation, apparently this is a fraud account opened in my name and this medical collection agency needs to investigate with their client " XXXX XXXX '' and ask from them to provide the copy of the identification that they have to investigate who this account belongs too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Experian Information Solutions Inc.
State: MI
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 have made effort after effort to contact Experian ( via phone and mail ) regarding the incorrect information reporting. I have sent letter after letter, the most recent being XX/XX/04, certified, in which NONE of them have responded to. Please see attached. The information that is reporting is incorrect and has shattered my dream of home ownership. Please see attached documents. I have attached my phone records, the letter that was sent and receipt from the USPS of tracking info with the dates received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: IL
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had an account with a communications company for about 3 years, I moved transferred service and continued for a few months. Paid off entire bill ( XX/XX/XXXX. {$44.00} ) everything was then closed. I then applied for a small loan, ( XX/XX/XXXX ) this was then I was told by the bank that I had a debt in collections for {$100.00}. My credit is destroyed, and the biggest problem is that the company, or collection agency NEVER called, or sent any type of notice. All my bills are always paid on time. I would have handled the bill originally when it came. After finding out about this, I called the company and asked them about this. They stated they cant look up anything about this bill because they dont have it anymore, they will however, accept a payment from me!! This has completely destroyed my credit and I am now in dire straits. The collection agency violated the fdcpa by not making ANY TYPE of communication to me about this supposed debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/2023, I reached out to XXXX XXXX XXXX to inform them that I've never had an auto loan with them ever in my life. The person whom I spoke to is XXXX XXXX XXXX of their fraud department. She informed me that she would email me over their affidavit and instructed me to obtain a ID Theft Police Report as well. Which I did. I got the affidavit notarized, and I obtained the ID Theft Police Report the same day it was sent to me. She confirmed that she received it and said she would work on having it removed from my 3 bureau Credit Report. 
This fraudulent account is still reporting on my Equifax Credit Report and she has not reached back out to me regarding when she would have it removed. 
Below is the fraudulent account that I would like to have permanently deleted : 1. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 following accounts are violating my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/22. Amount : {$77.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Reported XX/XX/22. Amount {$220.00} XXXX XXXX XXXX/ XXXX XXXX XXXX : Reported XX/XX/22. Amount {$1300.00} 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 authorization

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 2022-06-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To apply for credit I am askled to verify information shown on the credit bureau records. I don't know which of 3 they are using. This has been going on for many years. They are using information from someone with the same first and last name but a different middle initial. Over the years I have been able to have his credit cards etc. removed from record but nothing else. I was asked about his wife and son 's ages as well as where he went to school, the school mascot and the name of the State where he owns another property. I can not possibly answer these questions. Over the years I just accepted the fact there is nothing I could do and maybe that will just have to follow me the rest of my life. I will take any suggestions. I know the other persons name but I guess that is of no value.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, 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:
XXXX  credit report is not accurate have been paying all my bills and clear all my debt yet my credit score refuse to go up Equifax credit report is violating consumer protection law my score keep going down foe now reason this is madness XXXX  is doing the same thing violating consumer protection law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: M&T BANK CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX XXXX sent a registered security with a XXXX to the trustee of XXXX XXXX XXXX ( XXXX XXXX ) for my rent it was stamp and it was sent registered mail. I included a letter of instruction. My registered security was endorsed according to 31 CFR 328.5. I instructed them to send my funds through my XXXX account and gave them my account number you will see the instructions in my attachments. The trustee 's address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, Minnesota XXXX. I requested that they securities my security and to send me my tender. I never received the XXXX part B neither did they clear up my account. It they sent the XXXX to the treasury they have committed Fraud. My address is c/o XXXX XXXX XXXX XXXX XXXX Florida [ XXXX ] XXXX & XXXX XXXX XXXX THE PAYMENT SITE WITH THE ACCOUNT NUMBER A FEW WEEKS AFTER I SENT THE SECURITY. THEY CAN FIND ME BY MY ADDRESS. 
All rights Reserved, void where prohibited by law signed XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2023, I received an email from Southwest Airlines about a promotion regarding their Chase credit card. They stated that I would get XXXX points if I were to spend {$1000.00} within the 1st 3 months of opening the card. The offer expired on XX/XX/2023. On XX/XX/2023, I proceeded to apply for the card and was approved. I received XXXX points. On XX/XX/2023, I called Chase customer service regarding the rest of my points. I had already spent well over {$1000.00} on flights. They stated that I was supposed to apply for another Rapid Rewards card and the one that I applied for doesn't qualify. I told the agent that that is not what my email showed. I told them the whole point of applying for the card is to get the XXXX points. They stated that they could not give me my points. I asked the supervisor if I could send him the email that I received. He stated that there was no way for him to forward my email to anyone. I kept my end of the bargain. I just want my XXXX points as they advertised. I am forwarding you the email that I received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested that Equifax remove a XXXX XXXXXXXX XXXX  inquiry from my Equifax credit report. Equifax stated that their investigation concluded that the XXXX XXXX inquiry did in fact belong to me, and that the XXXX XXXX credit inquiry will remain on my Equifax credit report for two years. I have a letter from XXXX XXXX stating that a fraudulent account had been opened in my name, and that the XXXX XXXX account is not mine. Therefore, I feel the XXXX XXXX inquiry should not continue to be displayed on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am a 30 year plus BOA customer. In late XXXX I opened my own law firm here in Washington, and as part of that process opened an attorney trust account. I recently settled a significant case and as part of that process deposited a large check in my attorney trust account on XX/XX/XXXX. The " hold notice '' indicated all the funds would be available on XXXX. On XXXX I initiated wire transfers to my clients of their settlement proceeds from the trust account, and attempted to deposit a check drawn on the trust account to my other account to reimburse expenses. Although there was no notice provided on the website when I issued the wires, I was told at the branch when I went to deposit the check that there was a " fraud hold '' on my attorney trust account and they could provide no other information. I was given a number to call the " fraud department '' and after holding for a while, spoke with an employee and then her supervisor who also said they could not tell me why there was a fraud hold on my trust account, or when it would be removed. I have followed up on XXXX and XXXX and my attorney trust account is still blocked, and I do not know why, how to resolve the issue, or when the funds will be available. My clients need the funds to pay bills. This is unacceptable, and appears to be a violation of various sections of 12 CFR Sec. 229.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
While shopping for a XXXX TV I saw they offered financing with 0 % APR for 6 months. I applied, got approved for {$1200.00} and bought a {$400.00} TV. 

The marketing for this financing does not show that it is for a " credit card '' with monthly payments. I never received anything in the mail, until three months had passed and at that time I missed two {$11.00} payments and now have one 30 day late on my credit report. 

I have worked in XXXX for XXXX, XXXX, XXXX XXXX and XXXX and I know how to XXXX  financial products and services and how they need to be explained up front. This was truly mis-leading ( see attached ). 

I need TD Bank to remove the 30 day late on my credit report.

Company response to consumer: Closed with explanation