BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-14
Company: ACIMA CREDIT, LLC
State: NY
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 was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Equifax is governed by 15 USC 1681. and they've violated my rights numerous times. I demand the Accounts listed below be remove because According to 15 USC 1681. I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXXXXXX, Acct # XXXX. 

XXXX XXXX XXXX XXXX, Acct # XXXX. 

XXXX XXXX XXXX XXXX, Acct # XXXX. 

XXXX XXXX, Acct # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The following accounts listed on my Trans Union, XXXX and XXXX credit report are fraudulent, unauthorized and not my accounts : 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 2022-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My wife received an email about an account that was opened up in my name back in XX/XX/2022. She called to ask me if I had done this and I said no. She called Bank of America and spent over an hour trying to figure this out, she added me to the call and before we could get an answer from someone, we got disconnected. At the end of last month, we received a bank statement from them with a - {$4.00} service fee. I called Bank of Americas service line on the invoice XXXX and got sent to 3 different departments. The last person that I spoke with gave me a claim number and also a phone number for the FTC to call and report it and they could check to see if anything else was done to affect my credit ( any loans taken out against me or something else like that ). All of it seemed strange to me and not quite right. On the FTC website they didn't list a contact number, the one I was given was XXXX and I didn't want to call if there was a chance it was another scam.

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 2022-08-16
Company: PlusFour, Inc
State: NV
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: Was not notified of investigation status or results

Complaint:
So I had a XXXX XXXX that insurance paid for. I disputed it online multiple times. And on XX/XX/XXXX I sent in a letter dispute and I never got thr results back. After I sent the letter off, the post office mailed a receipt saying that the letter was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/XXXX XXXX XXXX in XXXX, FL told me my loan would be with Wells Fargo Auto Loans and provided me a specific payment amount and my first payment date. 

A few days later I received a call from an unknown number. When I answered the woman started asking me a lot of questions about myself and my income, etc. After pressing her to tell me why she was calling, she said she was with Wells Fargo Auto Loans and this was a standard welcome call to verify information. She told me that I would receive information in the mail in a few days regarding setting up payments, etc. 

On XX/XX/XXXX, I received a form letter from the dealership stating they had exercised the option to cancel the contract and I was to return the vehicle. This letter was dated XX/XX/XXXX. I called the dealership and the finance person said that Wells Fargo turned me down for the loan because they didn't understand the deferred income shown on my pay slips I provided. Bear in mind that this was the first time I had been told of this. The finance person said not to worry that he had another bank that would take the loan. At that point, it would have been difficult to unwind the deal and give me my old car back because they had already paid off that loan and sold that vehicle. 

On XX/XX/XXXX, he called me back and told me he had gotten me approved at XXXX XXXX. He asked if I could come in and sign the paperwork that it should take no more than a few minutes. I said I could come the following morning. 

on XX/XX/XXXX, I arrived at the dealership and went to the finance person 's office. he was not prepared for me and said to give him a few minutes. I waited in the lobby for 2 hours. In the meantime, I received several email alerts from XXXX that my credit was pulled at least 6 more times, including Wells Fargo. Finally, he called me back. Keep in mind that my credit score has now dropped from the XXXX range to the XXXX range because of all the inquiries. The approval ended up being from XXXX XXXX  but the interest rates were much higher and my payment was much higher. I felt trapped and had to agree to this because I had to have a car and they told me it was impossible to unwind the other part of the deal and get my old car back. They claimed that everything would be ok and I could refinance with a credit union in a few months when my credit scores rebound. 

I filed a complaint with Wells Fargo and they have told me that the reason I was approved because my pay slips indicate that the majority of my income comes from bonus/add'l income. They never gave me the opportunity to explain that and that the term " bonus '' is misleading.

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: ALPHA MIDCO INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received letter from XXXX and associates stating they were debt collectors and I owe a debt to Sapientes Funding II LLC which I have never heard of. I would like to know if this is a scam. The letter stated the debt is from XXXX  in the amount of {$850.00}. Did not know if I should respond to the company or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I purchased a bed from XXXX XXXX, XXXX for a total price of {$4000.00}. They offered me no-interest funding for 36 months through Synchrony Bank . I took the offer. Then started making payments of {$110.00}, I made six double payments by XX/XX/XXXX. At that time I was paid ahead by six months. I make my payments through Washington XXXX XXXX on my computer. Then Synchrony said I missed a payment and I was delinquent. 

At this point, I have made 11 double payments and one triple on a bed purchase for over XXXX  XXXX. Synchrony Bank offered to give me a 36-month no-interest loan, which I accepted with the intention of paying it off sooner. How can I be late or delinquent? According to any bank I have done business with, I am 14 payments ahead. Synchrony has a bad reputation for being an unfair bully to their customers. 

Synchrony Bank is the subject of a federal criminal investigation into potential fraud. The investigation is being led by the XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and is focused on the banks credit card practices. 

The probe comes amid a wider crackdown on the credit card industry by federal prosecutors. In recent years, prosecutors have brought cases against several major banks, alleging that they misled customers about the true costs of using their cards. 
Synchrony is the latest bank to come under scrutiny. The investigation is still in its early stages, and it is not clear what, if any, wrongdoing the bank may have engaged in. 

The bank has not been charged with any crime, and it is cooperating with the investigation. 

SYNCHRONY BANK HAS BEEN ORDERED TO PAY {$3.00} XXXX TO RESOLVE CIVIL ENFORCEMENT ACTION INVOLVING CALLS TO CONSUMERS IN CALIFORNIA Because individual restitution is not feasible under these circumstances, the judgment also requires that Synchrony Bank pay {$520000.00} in alternative restitution to a charitable trust fund to support additional consumer protection efforts. The judgment was filed in XXXX XXXX XXXX XXXX XXXX and was signed on XXXX XXXX, XXXX, by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The case was handled in XXXX XXXX by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX of the XXXX XXXX XXXX XXXX. 

I still owe 5 payments on this transaction, which I will pay in full Synchrony thinks they are entitled to late charges etc. They have very bad and in some cases illegal practices. 

Please help get this matter corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WA 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 monetary relief
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: VA
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:
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.

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 inructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update from reporting. 
XXXX {$0.00} XXXX XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Years ago, I closed my checkings and saving account with 5/3rd Bank and thought nothing more of it. Approximately 3 years later, in XXXX, I received a call from a collections agency, XXXX XXXX XXXX XXXX XXXX, that informed me of a debt I had unknowingly incurred after a payment posted to my aforementioned checking account that was closed. After calling 5/3rd and learning that both the debt was legitimate and that it had been sold to a debt collections agency after 5/3rd lost contact with me ( my phone number had changed ). On XX/XX/XXXX I settled with XXXX XXXX XXXX, XXXX for the amount of {$380.00} and obtained documentation proving as much. In subsequent years I would occasionally receive calls from other collection agencies inquiring about my 5/3rd debt, to which I would then showcase my settlement letter and they would go away. 

Fast forward to last month ( XX/XX/XXXX ). I got another call from a collector, name unknown to this day, who, as usual, threatened me with a subpoena. I then went through my usual routine of providing them with my settlement letter, having been given an email address to send documents to : XXXX. This email address didnt work, having received a " return to sender '' email, so I called them back. They gave me a different but similar email address : XXXX. I tried that and got the same " return to sender '' email even after calling back AGAIN and them issuing me the same email address. After further investigation, I noticed that in the first email, I had spelled satisfaction incorrectly in the address. So, in theory, that explains that however, I called and stated that I couldn't get an email to go through to them and the person I talked to stated that if I emailed again they would take me to court for harassment. I responded by inquiring how they got my emails if I had gotten three separate " return to sender '' email for every address they had given me. He denied having the problem so I asked whether there were any attachments to said emails, to which he replied " yes '' and that the processing dept would review them and I would hear back in a week. 

A month elapses and I hear nothing. Having been told I would hear back in follow up but never did, I decided to call to check on the status. Calling the phone number that first called me, XXXX XXXX XXXX XXXX, I was told that the status of my account was " Refusal to Pay '' and that the company in question was in the process of drafting a subpoena for me. 

This was confusing as I had shown the company my settlement letter that had been accepted by at least ten other collections agencies, until this one.I stated as much over the phone. At this point I don't know what to do and I fear that a serious scammer has my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: NY
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-05-02
Company: Experian Information Solutions Inc.
State: NY
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:
Experian is not removing the inserted theft off my credit report

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 2022-11-16
Company: EQUIFAX, INC.
State: IL
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:
just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 16811 ( 7 ). 


Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 


Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  XXXX # XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Torriere Holdings INC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
Spire RecoverySolution has sent me a letter stating being a debt collector from XXXX XXXX XXXX payday loan owened by Buyers Holding which I have not clue who Buyers Holdings are. Reference number : XXXX in addition this debt collector has been harassing by calling my wife saying they were IRS and calling my close family member through their cell phone my brother, Sister-in-law, Father and Mom which I don't live with any of my family member. I need this debt collection to stop calling me and other family member about this debt. their phone number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation