BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
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:
This is my FURTHER Complaint claiming I was a victim of identity theft. According to Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is unrelated to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/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 2018-08-19
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/2018 I submitted a letter in regards to an inquiry on my XXXX, Equifax, and XXXX  Credit Report from XXXX XXXX XXXX which I do not recall which the company has a numerous amount of inquiries on each of my Credit Files. I requested a copy of a signed contract bearing my signature which the company has not submitted to me this is harming my credit score. Which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Through the response received from the creditor, I would like to inform you that your company has violated 15 USC 1692j ( a ) because your company furnished a deceptive form to create a false belief in me as a consumer that the Creditor was attempting to collect the debt but in reality it was not true. Midland Credit Management violated numerous FRCR laws when it fraudulently tried to get me to pay a debt that was a result of my stolen identity Account # XXXX ( {$5700.00} ) on or around XX/XX/2022. I was a victim of identity theft, I was made aware on XX/XX/2022 ( Police Report # XXXX ). Midland Credit Management has used deceptive tactics in the past to get me to pay for items that didn't belong to me. 


Pursuant to 15 USC 1692j ( b ), any person who violated the above-mentioned section shall be liable to the extent as mentioned under 15 USC 1692k i.e. {$1000.00} ( XXXX XXXX USD ). Also, I am including an invoice in the about of {$4500.00} ( XXXX XXXX XXXX XXXX USD ) the amount it will cost to repair my credit. If you fail to pay for the violation I will escalate this matter to federal court, if you prefer to settle this matter out of court please make an offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Account : XXXX Disclaimer : I am a real person not a credit repair agency. My previous dispute was not corrected and by FCRA Law you are required to address my concerns. This is " NOT '' a goodwill request. 

I, XXXX XXXX XXXX, previously tried to have one of your Sr. Representatives, XXXX look into my claims and was accused of requesting a goodwill request. 

The 90-day late payment being reported on my credit file is inaccurate. Your agency is reporting this late payment 12 times on all 3 credit report agencies as closed. Also, a new Loan for {$85000.00}. Which is showing as 13 student loans.

I requested a copy of my student loan statements. In the statements it is showing that I requested a forbearance ahead of time in XX/XX/2019 and the request was approved. 
I am fully aware that I owe student loan and signed a promissory note. My grievance is that you are reporting inaccurate information on my credit report. 

Attached is the loan statement history, how my credit file is being reported, and proof of my identity. 

I just want this error to be corrected. I am sending this request via the CFPB and the attorney general office. Because trying to contact customer service is not ideal, where you dont get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputing all inaccuracies on my credit report with Transunion.

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 2020-12-22
Company: EQUIFAX, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: Southwest Recovery Services, Inc.
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In the year XXXX, I XXXX XXXX, co-signed for my daughter XXXX XXXX apartment at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX as she had relocated there for college. Once her lease ended in XXXX, I traveled to XXXX XXXX to help clean up and move her back home to XXXX. We took pictures of the apartment and completed a walk through with a representative of XXXX XXXX, which was cleared. We were told that XXXX could expect her full deposit of approximately {$350.00} in the mail. To this date, XXXX has not received her deposit. 
In XXXX, I received multiple phone calls from a woman who refused to provide her full name and was representing herself as a representative for XXXX XXXX, demanding a varying amount between {$160.00} and {$170.00} dollars. I requested written verification of the amount and reason for the amount as we had not been charged or notified of any further expense after the walk through of the apartment or within a reasonable time frame. I also reminded the caller that they had kept XXXX deposit, which exceeded {$160.00} and never sent her or myself an explanation of what that deposit was used to pay. To this date I have never received a verification bill or letter as requested to XXXX XXXX. 
In XXXX of XXXX, XXXX XXXX put me in collections for a delinquency of {$160.00} through XXXX, which I disputed and am attaching verification of letters sent from an attorney I was forced to retain due to XXXX XXXX negligent and unprofessional conduct. XXXX XXXX never responded to my request of verification and validity of their alleged money owed nor did they respond with verification of withholding of XXXX deposit. This lack of compliance by XXXX XXXX, resulted in XXXX  deleting the collections delinquency from my report in XXXX of XXXX. 
To my surprise, on XXXX of XXXX, I received notification that I was in collections again for this deceitful charge from SOUTHWEST RECOVERY SERVICE representing XXXX XXXX for the amount of {$200.00}. Here again, I never received verification of debt from SOUTHWEST RECOVERY SERVIC in accordance with the law. 
I have always ensured that I pay my debt in a timely and responsible manner. Had I received proper verification of debt from XXXX XXXX as I requested in XXXX and XXXX, I would have paid my debt promptly. However, I was not afforded that right. I am attaching documentation of this unfounded debt and proof that XXXX XXXX has acted in a negligent and unlawful manner by not responding to legal counsel representing me in XXXX. I demand that SOUTHWEST RECOVERY SERVICE investigate and immediately delete this unfounded delinquency from my credit report and notify XXXX and all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Good morning, with great disappointment I must say your company has humiliated me, treated me with bad intentions, and made a circus animal out of me. I called in for one simple thing that turn into accusations, being treat out of name being called sir multiple times after constantly saying I was woman. I called in because I was told via a XXXX message to call in to finish setting up my business account which turn into something totally different. They interrogated me about my account then told me I had to change my password which I opted not to do then I was refused to speak to business team which I ask for a supervisor whose name was XXXX who has the be most absolute worse employee that could have been hired for a customer service job. He told me he had to change it so when I said no he implied my account wasnt mine so I ask if it wasnt mine and you felt that way why would you be willing to change it then he had no answer. Preceded to tell me that I wont get any help unless I go in a branch and he will make sure of it so he flagged my account. Spoke with another supervisor who said same they cudnt talk me for a fruad hold to go in a branch which come to find out XXXX knew it wasnt any branches 25 mile radius of my zipcode. I call in again another supervisor made me send documents in. I had to send it multiple times with multiple things along with a picture of me with which is absolutely ridiculous. I felt beyond humiliated I am asking for a immediate remedy. I have been in touch with my lawyers which I dont want involved if dont have to be but these practices are unethical discriminatory and completely unacceptable. So what can you do to savage a customer cause at this point I am beyond flustered and refuse to deal with this any longer. All to set up a account to give the company money not purchase ask for a loan credit card simply set up a business acount to build a better relationship to be treated in such dismay I clear with the branch XX/XX/2022 spoke with XXXX I sent in documents various multiple times via mail and via email XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, we been dealing with unsafe discriminatory practices for two months. They keep refusing to help or take me off this block I have sent in passport XXXX XXXX id selfie and went into a branch. Every time I call in I am being called sir and transfer and block out my account this has been the worse experience of my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Bull City Financial Solutions has violated the FDCPA on 3 separate occasions. I am writing today to inform the CFPB of the actions Bull City Financial Solutions and provide them one last opportunity to make things right before my attorney files the lawsuit. I am doing this against my attorney 's advice, but I felt it is important for the CFPB to know about this company and their actions. I am attaching all supporting evidence for my claims for your review. Those violations are as follows. 

1. Sending a dunning notice on XX/XX/2022. The notice was sent in an envelope that had their company name in the window. It was not discreet and you could tell the letter came from a debt collector. 

2. I sent Bull City Financial Solutions a letter to formally request they no longer contact me, and my refusal to pay them, but rather pay the original creditor. They sent back a reply acknowledging the cease and desist, however the violation occurred when they also validated the debt in the same letter " for my convenience ''. 

3. Bull City Financial Solutions then reported the collection to all 3 major credit bureaus, however, they marked the debt disputed when it was not disputed. 

My attorney from XXXX XXXX XXXX sent Bull City a letter stating terms where I would not file lawsuit against them. So far we have heard nothing in reply. I have also now challenged the credit reporting with the bureaus, that is still in reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Applied Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX has sent negative information to XXXX XXXX XXXX XXXX XXXX.XXXX, NC XXXX a debt that they say I owe. I have sent several letters to XXXX XXXX XXXX to prove this debt with a contract I signed to validate their claim. They have refused to do so. I am entitled a validation i.e a signed contract by me or document with my signature. This debt doesn't belong to me and has caused damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: LA
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:
I accordance with the Fair Credit reporting act, the following accounts listed below 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$1500.00} on XX/XX/23 and have not received my money from Huntington nor did they tell me why I can't receive my funds they will not give me any answers and there closing my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018. I check my bank account and my bank ( wells fargo ) gave all my money to a third party without my consent and at the same time charge me {$120.00} processing fee too. I did not request it or agree with what they did. So my money is given away by them. The same ppl i thought would protect and keep my money safe. Its not the case. It was almost a thousand dollars plus their {$120.00} processing fee. Seems like a money making thing for them slapping me with {$120.00} in which i did not request them to do. Ive talk to them and they just give me the cold shoulders saying nothing they can do. I felt betray by this business. The very one that suppose to protect and keep my money safe and they didnt. and they turn around and made money off of fee on me on the very same matter. Its straight up thievery to me. Hope u guys can help me reclaim my money back. My confidence in banks is all shot up now. I dont know what to do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-08
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I paid off my student loan with XXXX XXXX during the pandemic period. I requested a refund of all payments made during that period, and XXXX said they submitted that refund request on XX/XX/XXXX to the federal treasury. Then In XXXX they say they transferred my loans to aidvantage because XXXX is no longer going to be servicing student loans. Aidvantage says they have no information in their system about my loans and may not have any information u til the end of XXXX, the deadline to request refunds of payments made during the pandemic in order to qualify for the new student loan forgiveness is the end of XXXX, XXXX claims my refund request with the treasury no longer exists and aidvantage will have to request it again but since aidvantage says they will not have any information on my loans u til the end of XXXX by then the refunds will not be an option and I will lose the forgiveness. I found information online that stated a complaint with you could help me and cause me to get the refund in time, please help me get aidvantage to submit my refund request In time, they are not able to give me any information as they say my loan is not in their system yet but I have an email from XXXX stating they transferred it on XXXX XXXX. I have waited weeks hoping this would resolve on its own but now I a, afraid if I dont take action I will lose the loan forgiveness by missing the upcoming XXXX deadline for refund requests,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called on a damaged item and was fought with for not being able to hear on the XXXX   system nor headsets. I was transferred 10 times and when I got someone in dispute who fought with and since it had lost connectivity from 10 transfers I could not hear at all. 


The Dispute dept would not call me back. Her name was XXXX. 


It is a lousy 5.50 nightmare. 


I can not take any more of this fighting. 


I believe that they wrote this off, but my point is the nightmare of not being able to hear and fought with and bad connectivity and I honestly could not hear them. 


When phones are transferred over and over again, the sound quality is horrible. 


When on a XXXX  system 10 times it dose lose connectivity and a deaf and hard of hearing person honestly can not hear. Why such a fight please. It is not right at all.

I was on the phone for close to 2 hours before getting any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/ I deposited a check for {$2500.00} into my Wells Fargo checking account XXXX received a bank message that check was returned and the funds were disappeared from the account. Message said frozen/block Spoke to Wells Fargo customer service and they said reason was the payor 's account was either frozen or the check was blocked. 

Spoke to payor - their account is with XXXX XXXX XXXXXXXX- and the payor checked with XXXX XXXX XXXXXXXX, and they said that the check does not even show up on their statements as if the check was never deposited. 

XXXX XXXX XXXXXXXX also said they had plenty of assets in account and there was no blocks placed of any kind. 

I am caught between now with both insufficent funds fees and with late charges and with bills accruing. Playing with people 's lives for their convenience, people like me are left helpless.

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 2022-11-08
Company: CCS Financial Services, Inc.
State: OH
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 have sent a certified letter to XXXX, XXXX and Credit Collection Services requesting debt validation and requesting that XXXX and XXXX remove account becuase it didnt contain a status change. The reporting account says collections and has a past due balance which is illegal. XXXX and XXXX never responded within the 30 days and Credit Collections Services responded with a one page letter. I requested orginal contract payment history wet signature and proof of debt assignment and none of those requested items were sent. Also Credit Collections Services is not licensed to operate in the state of Ohio.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation