BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
All my credit report with 2 of 3 credit bureaus said was it was with someplace in Deleware called XXXX XXXX XXXX Original Creditor Contact Info ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA My ex-husband is named XXXX, & my name is spelled XXXX with a middle initial as " XXXX ''. He was found guilty of opening dozens of accounts, even bank accounts, back in XXXX. He did the same to his own father because they have the exact SAME names. 

I have tried to explain that I have never had any type of credit card, in my name, in my entire life. 
But, after this XXXX BANK wrote off the amount, which it stated he was given an {$800.00} credit limit, a collection agency purchased the debt and although I disputed it twice, they refuse to remove it from my XXXX or XXXX accounts. He opened 2 other creit cards practically at the very same time, and all this occurred back in XXXX is what I noticed, the 2 other credit card accounts were written off and do not show on any of my reports any longer.

My ex-husband has over 16 accounts that are in collections, with 2 in the same name as this one the collection agency is blaming me for. 
I can not help that my name is spelled oddly, and it is not my fault that he feels entitle to ruin my FICO scores, but SOMEONE MUST follow the paper trail, and see that it is NOT MY CREDIT CARD and I don't apply for them ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I called BBVA customer service about getting into my Simple account 8 times this morning at about XXXX PST. The service reps did not say anything at all or said they couldnt hear me when trying to receive help with my account. Their website says I need to call somebody for help, but wont put me through to anyone who will help me and now I am still locked out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This problem was over my bussiness account with Wells Fargo bank, I was using my personal checking account to deposit or receive payments and then transfer to bussiness, the bank give me a {$20000.00} cash deposit monthly free of charge, then will be charging for every {$1000.00} cash deposit after, first XXXX months I was getting charge a little to much to keep the account going, so I instead stared getting more cashiers checks paying with cash and making more deposits into my personal checking account and transferring the money to the bussiness account and summited the payments. Suddenly they frozen all my accounts, without a call or a letter in advance, I had to make late payments, pay storages, pay for every rejected payment, I was suspended from several bussiness because the payments wasnt completed or rejected, it was XXXX when they frozen the accounts and hold the money, today is the XX/XX/2023 and they still dont close my bussiness account, still not receive a letter from them, how can they still in bussiness when they always working with the costumers money.

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 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
U.S. Small Business Administration ( SBA ) dated XX/XX/2021 XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX dated XX/XX/2021 I am concerned about the impact of these hard inquiries on my credit score and would appreciate any advice or guidance you may have on how to minimize their impact. 

Thank you for your attention to this matter. 

Sincerely, 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 2021-11-08
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
organization : Robinhood Financial LLC XX/XX/2021, I starting using a new Robinhood Financial LLC account. 
Transferred funds from XXXX XXXX to Robinhood Financial LLC. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX $ XXXX each day based on their daily limit. 

I later realized that I likely triggered SEC alerts. My account was locked and Robinhood asked me for additional proof of identification, and XXXX XXXX financial records. These were submitted. 

XX/XX/XXXX, I was given a notice of account deactivation, that they would be returning funds to the originating source, and that the process could take up to 60 days based on my bank. 

XX/XX/XXXX, I visited XXXX XXXX to identify if there were any concerns on their end. Rep said that there were none, and that they were no comments on my account. 

XX/XX/XXXX, request for " explanation of the source of funds '' XX/XX/XXXX, " We are not able to support your account '' " the funds will be returned to you within 3-5 days '' XX/XX/XXXX, message received that my debit card is activated. 

XX/XX/XXXX, full balance continues to sit in the Robinhood account without signs of any return transfer having started.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
A COLLECTION AGENCY [ XXXX XXXX XXXX ] has listed me as being in collections with them on my credit reports. I contacted this company denying this bill. They refused to respond. 
Pursuant to the Fair Credit Collection Practices ' Act 15 U, S, C, 1692g I subsequently sent them a Debt Validation Letter on or about XX/XX/XXXX. ( Enclosed ) I sent this request vis Certified Mail. ( return Receipt included ). They received the letter on XX/XX/XXXX. 
To date they have not in any way verified this debt belonging to me. Therefore, since this company has passed the 30 day threshold and this collection agency has had more than enough time to respond, this collection should be removed from all reporting agencies immediately.

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 2022-10-13
Company: Experian Information Solutions Inc.
State: FL
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:
I filed a complaint 2 months ago and they have not helped me, they have allowed the credit bureaus to continue failing to fulfill their duties.

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 2023-11-18
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I cd ( XXXX ) XXXX XXXX XXXX fraud dept and was told someone opened an account on XX/XX/2022. The credited {$44.00} and {$10.00}. ( XXXX ) XXXX refused to mail all the statements. 
XXXX Bank XXXX XXXX XXXX XXXX, Oh XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX  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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX 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 In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX 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 In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX US. DEPT. OF EDUCATION 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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I became XXXX after receiving my students loans. I applied for forgiveness based on XXXX, I was denied when I should have been approved back in XXXX. I got them all of the documents they requested and even though I fell within what they told me, they denied me. So I applied for a XXXX  repayment consolidation loan after being denied the XXXX forgiveness. During the process of the XXXX  consolidation loan through Navient, one of my loans was missed. I kept putting it into deferment/forbearance until I could get the situation resolved. So it went into default when it should have been included. I called Navient to explain that I needed the XXXX   repayment consolidation loan redone with my loan that was missed when I noticed the error in XXXX. The person I spoke with on the phone was rude and not helpful. She blamed me for not notifying them within 30 days of the error. No help whatsoever so I put my loans into deferment/forebearance until the error could be corrected. No one has been helpful at Navient or XXXX XXXX XXXX  XXXX  about this issues. So now my loans are in default with the Department of Ed, and Department of Treasury. I found your sight and the lawsuit against Navient and believe I fall into this category. Department of Treasure now wants me to go into a loan rehabilitation programs. The problem with this is, my timeline for forgiveness in the XXXX   repayment has disappeared and my interest has accumulated since XXXX when it was an error on this part. I believe I would be a fabulous candidate to be included in the lawsuit that is currently pending. I need this to be fixed ASAP. 

I have been lied to and mislead by these people. Navient, XXXX, and XXXX XXXX. Had they of dealt with it in XXXX and XXXX we would not be in this position now. I'm tired of getting the runaround no matter what I do. Once person says one thing, and another says something completely different. Which is exactly why the lawsuit has been filed. I really think I should be covered by that lawsuit but I am trying this because I get a different answer everywhere I turn to try to correct this! This also needs to include multiple schools in where I was attending. As well as include XXXX XXXX XXXX XXXX and XXXX but it would not let me include multiple names/schools.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Regional Management Corporation
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Regional Finance is reporting false information on my credit file. They are reporting a false balance of XXXX dollars on my report with the report date of XX/XX/2023. Around XX/XX/XXXX, I called them to see what the original balance was and to see how many payments i was behind. they informed me that I was about XXXX dollars behind but now they are saying I am XXXX dollars behind on my credit report which is false. I have called them multiple times and they dont answer. I have emailed the branch manager from the branch in XXXX nc on XX/XX/XXXX of this year and she has yet to answer. i have reported them to the nc doj but they refuse to reply to the nc doj as well. the account ends in XXXX i tried to get this fixed with XXXX  also but XXXX will not remove the account, even after sending in multiple ftc id theft reports. i do not know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: I.C. System, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX this agency XXXX XXXX  reported this on my credit. After calling and speaking with them letting them know I have no knowledge of this report as the cable they supplied was not my house. They never had my identification or my signature on anything. They removed it. In XXXX they reapplied this same collection onto my credit and I disputed it and got it removed. Now currently once again it is back on being reported. During the time they supplied cable service to an address I was actively ( still XXXX XXXX ) serving in the military in XXXX, then XXXX. Its no way possible I opened an account with XXXX. As soon as I turned XXXX years of age I went away into the XXXX XXXX. At this point its harassment. This round I keep disputing and no one is replying to my letters or my phone calls in the matter they keep mentioning I have to pay. I refuse to pay for a service i never acquired or have any knowledge of.

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 2021-05-10
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was recently in an accident with possibly totaled Car on XX/XX/XXXX. 
I called XXXX to report the claim but they told me that I didnt have collision insurance. 

XXXX states letters were sent out 3 months after the purchase of my vehicle to me for consent to rate, which I never received. And that in XX/XX/XXXX they reported to Ally I no longer had full coverage on the Vehicle. 

It is required to have full coverage on the vehicle in order for me keep the loan and continue making payments. 

Ally should have either notified me of my lack of coverage as it is a breach of contract- and asked me to correct or force place coverage on me. 

They admit to having received notification of the lack of coverage in XXXX, but continued to let me make payments. 

We are at the point now where I have a near totaled vehicle that is potentially not covered.

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 2020-02-25
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am the victim of identity theft. The thief opened 3 auto loans in my name. I contacted all 3 banks and informed them of the fraudulent charges. 2 out of the 3 banks resolved my issue within 3 months. This last bank I have been contacting for over 2 years. I call the companies customer service phone number, and I am told to fax my documentation to them. I have, multiple times. Each time I call, I get a different representative who claims they don't have my information. I finally reached out to the management team, and XXXX XXXX told me to contact XXXX XXXX. I did on XX/XX/2019 and submitted my documentation to him, and was told their legal team will review my documentation.I have not heard anything back, and each time I have reached out to XXXX to get an update about my case, I am told " The legal team is still working your case ''. We are approaching 8 months without any information on what is going on with my case. XXXX XXXX XXXX ( XXXX XXXX XXXX ) resolved my fraud case within 2 weeks. XXXX XXXX XXXX XXXX did it within 3 months ( After filing a complaint against them ). I feel I have been patient with Westlake Financial Services, and have gotten no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX continues to report an account that was opened XX/XX/2015 after contacting them numerous times and having my attorney send a letter they finally removed the incorrect information from XXXX XXXX however it it still on Equifax. This car was included in our bankruptcy and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA took over my bank ( Simple ) and the transition was supposed to be " seamless '' - was set to go into effect this past Saturday, however their entire system crashed leaving me without access to my money for three days and counting. Their call center wasn't accepting calls over the weekend and it's now Monday and I've been on hold for hours trying to get in. The system keeps hanging up on everyone. There HAS to be a penalty for keeping people locked out of their account for 72 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: Source Receivables Management LLC
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:
Ive disputed source receivables management multiple times on my credit report. The keep reporting that I have a XXXX  account and I do not. I have requested proof showing the debt was mines and I havent received any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: AL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, US department of education account # XXXX, US department of education account # XXXX, and XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As a debt collector, LVNV FUNDING LLC are governed under the Fair Debt Collection Practices Act ( 15 USC 1692 ) with no exemption! It is a violation under the Act to acquire my nonpublic personal information from a 3rd party source and willfully contact me without my prior consent given directly or from the express permission of a court of competent jurisdiction allowing to do so pursuant to 15 USC 1692c ( a ). With the intent to provide me false and misleading information stating I owe any such alleged debt, not only do I REFUSE TO PAY SUCH ALLEGED DEBT but Im also demanding LVNV FUNDING LLC to cease and desist communication through ALL MEDIUMS in reference to this alleged debt with me and ANY OTHER person pursuant to 15 USC 1692c ( c ). LVNV FUNDING LLC willful deceptive practices used evidence noncompliance under the Fair Debt Collection Practices Act ( 15 USC 1692for which the court may allow damages of {$1000.00} per provision identified that failed to be complied with pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ). Understanding that LVNV FUNDING LLC have no legally enforceable contract in place that could be enforced under a court of law, LVNV FUNDING LLC is now subject to lawsuit for violating my consumer rights under the Act since LVNV FUNDING LLC decided to infringe on privacy and harass me!

Company response to consumer: Closed with explanation