BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXXs committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

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 2022-04-09
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Good Evening, I received a letter in the mail this afternoon XX/XX/XXXX which was from my current employer. When I opened the envelope there was a letter that stated my company was served with a court order to withhold a portion of my wages. The request comes from a company named LVNV Funding, LLC- XXXX XXXX XXXX XXXX XXXX 

However, I was never served with a subpoena or any legal notice regarding the case against me, nor a debt validation letter stating this is mine. From documents provided through my employer, an attorney was granted a default judgment on XXXX XXXX, XXXX by XXXX XXXX XXXX XXXX. I also noticed that the address they had for me was an old po box , but they had all the resources and information to find me at my current job which isn't public information. Therefore, what's the difference from using those tools to locate me on my job in XXXX, and not using them to locate me in XXXX to give me legal notice? 

Also, in XXXX I was recovering from XXXX XXXX which I was diagnosed with in XXXX of XXXX. During those years my finances took a huge hit as well as my health and I supported myself with my XXXX check. ( I will provide my medical records ) I feel I wasn't given fair treatment or an opportunity to speak on my behalf or work on an agreement before it went this far. My rights were taken from me. Now I'm faced with having my wages garnished without being given the right of representation. And, failure to do so has now cost me additional fees ( court fees and attorney fees, etc ) that would not have applied if I was given my legal right to be notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: TRANSWORLD SYSTEMS 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: Account information incorrect

Complaint:
To whom it may concern, TSI/940 has charged my account for someones elses bill. XXXX had my infomation on file and a teneat was occupying the property and the bill was in there name at the time I was billed. I never recived any bill because it was not my responsibly. The bill is paid off in full and I called spoke to a rude supervisor who finally resolved the issue and said she update dthe account and it would be deleted off my reporta and transfered to the old tenats responsible. This wa in XX/XX/2018 it still is reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Note to previous question. I have not tried to solve this problem with Bank of America because I do not have a contact there. 

The problem started with Truist bank not reimbursing my company XXXX XXXX XXXX XXXX XXXX XXXX for fraudulent checks which they accepted drawn on my account. I have already filed a complaint ( # XXXX ) against XXXX bank asking for the return of these funds. Please refer to this complaint for more detailed background on the case. 

XXXX Bank sent me a letter ( copy attached ) which said that the problem needed to be resolved by Bank of America because the checks were cashed at a Bank of America site. 

This complaint is being lodged against Bank of America for recovery of these funds. Since I have never dealt with Bank of America ( only XXXX has ), I do not know who to contact at Bank of America to get action on this case. This is why I am unable to try and resolve the complaint with them first.

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 2019-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America credit 4 direct deposit payments to another account holder and keep telling me there is nothing they can do and it is the payers responsibility. 

Massachusetts XXXX issues 3 payments for the amount of XXXX on XXXX. 

SSI issued a payment for XXXX on XX/XX/19. 

The bank has verified the money ended up in the wrong account and that since the account number and name didn't match the deposits should have been rejected but were not. 

I was told the bank will not take any proactive action. 

I called both payers and they told me it is the banks error for not authenticating the payments properly.

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 2023-03-09
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-07
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, Has violated my rights. 

15 USC 1681 Section 602 States I Have right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: BBVA FINANCIAL CORPORATION
State: CO
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:
XXXX has a Business Partnership with XXXX of which we have Automatic Daily Deposits. We ar3 still waiting for funds after 5 Days and XXXX refuses to contact their Business Partner to resolve this issue. We are requesting an Investigation into the Fraudulent Embezzlement Practices XXXX/XXXX is incurring on their Clients

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
My credit was ran on XX/XX/23 by Synchrony Bank in the amount of {$15000.00} with out my permission. This is a violation of the Fair debt collection practices act 15USC 1692 C a. I found out about this fraudulent transaction on XX/XX/23 after receiving harassment letters in the mail. This is another FDCPA 15USC 1692 B 4 5. Following with numerous phone calls, voicemails and txt messaging multiple times per day. FDCPA 15USC 1692 D 5. The worst part about this is my business phone was used to create this credit. This phone number goes to my employees and it has been extremely embarrassing causing me XXXX ship and humiliation. FDCPA 15USC 1692 C 3 b. Not only have they been harassing my work place where I conduct business to feed my family. They sold my information to third party credit reporting agencies. Which is a complete breech of privacy and I never gave anyone consent to hand out my personal information. FDCPA 15USC 1692 C a. The mail has been going to my home in Florida where I have family staying and now they a long with the mail carrier can see that I supposedly have debt through this Care credit card. Which is another breech of my privacy and is another embarrassing situation. Ive also been denied credit through my business do to this transaction being on my credit report costing me thousands of dollars in loose.

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 2023-03-03
Company: Experian Information Solutions Inc.
State: MD
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 sent letters to each credit reporting agency about inquiries that I did not personally authorize and/or give them consent to publish and therefore negatively affect my credit report. Per 15 USC 1681b this a fraudulent of each credit report agency. 

My letters demanded they verify the information and to produce the contract which clearly states that I gave them the information. They have not provided me any contracts or paperwork that bears my signature proving that I gave them permission. 

These letters were sent XX/XX/XXXX for which I have certified mail receipts. I t has been more than 30 days and my credit report is still fraudulently publishing information without my consent/permission by proof of signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, 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:
This letter is a formal complaint to prove this company is reporting inaccurate information to consumer reporting agencies and violation federal laws This is the account name, number and how much be allegedly charged off. 

XXXX XXXX XXXX {$460.00} This company, XXXX XXXX is reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said This account has not issued a 1099c form '' XXXX  XXXX is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by XXXX  XXXX to make this account a charge off by federal law standards, then what is this account? 

According to The IRS publication 4681, It Clearly defines a charge off as Gross or Ordinary income. 

According to XXXX law dictionary XXXX edition a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? 

In order for an account to be a charge off, something must happen first. If XXXX  XXXX has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account.

This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! 

XXXX XXXX is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports. 

ATTACHED IS XXXX  XXXX STATEMENT SAYING THEY DO NOT HAVE A CHARGE OR NOR SIGNATURE FOR THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: SANTANDER HOLDINGS USA, INC.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I accordance of the Fair Credit Act this creditor, Santander/Chrysler Capital , Account # XXXX has violated my rights under 15 USC section 602, states I have the rights to privacy. 15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Maximus Education, LLC dba Aidvantage
State: CA
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 have two student loans with Aidvantage formerly Navient. I paid one loan off in XX/XX/XXXX. My credit reports show the account paid in full in XXXX. My credit reports were not updated in XXXX or XXXX with this Information. I filed a dispute in XXXX and my credit reports were updated to show paid in full and account closed. All of my payment history was removed. The next month XX/XX/XXXX I filed another dispute to have the account deleted from my credit reports but it was not updated. I called Aidvantage on Friday XX/XX/XXXX. I spoke to a woman who advised me to file a dispute with the credit Bureau. I told her I did and nothing happened. She advised that I write a letter to the credit division department of Aidvantage and ask to have the account deleted. She also told me that they delete accounts that are paid in full after 90 days. I told her that it's been over 90 days. She repeated herself and advised that I write to the credit division department of Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: PARSON BISHOP SERVICES, INC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Was contacted in XX/XX/XXXX about a sorority debt that was due. Was told that I had to create a payment plan and they insisted I put it on a credit card if I could not pay it out of pocket. I was never given a written notice about the amount of the debt, or any additional information such as the right to dispute the debt. After giving them credit card information I realized I had the right to dispute but they had already subtracted money I didnt have from my credit account. The debt is now {$5300.00} and I dont know how much it was to begin with due to not having a written or official notice of this debt or any account number to track it. I do not owe this debt and was forced into paying it because they insisted I had to. I called them again in XXXX and they did not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me. See attached identity theft 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 non-monetary relief
Consumer complaint received 2023-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I continue to receive countless letters, phone calls, and inquiries on my credit report from Portfolio Recovery Associates , LLC, despite the fact that this debt was not only false to begin with, but Portfolio Recovery Associates , LLC continues to send letters and conduct unauthorized inquiries on my credit report, as recent at XX/XX/2023 even though the alleged false debt is outside of the statute of limitations and is considered to be time-barred. I have sent a certified letter demanding they immediately stop contacting me in any way, as well as demanding they stop the inquiries on my credit reports, as this is unauthorized and illegal, according to the Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Americollect is attempting to collect on a debt that does not belong to me. XXXX started the dispute process got collections removed from the credit bureaus due to the accounts does not belong to me never resided at the home they have listed. However I received a collection notice and the mail XX/XX/2022 sent them a debt validation letter XXXX they responded XXXX with a list of statements again that does not belong to me never have I resided at the address they listed. Therefore I am filing a complaint on a debt that is not mines and does not belong to me. Amounts that they are attempting to collect is {$33.00}, {$120.00} and {$380.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan balance is not correct. The current balance shown by Fed Loan is {$340000.00}. 

I have gone to Fed Loan and they do not have any loan documents to prove my loan balance which keeps accruing interest. I called and they told me to go to my loan servicer XXXX. They couldn't help and referred me back to Fed Loan. 

I proceeded to find out what my true loan balances were by going back to my university, XXXXXXXX XXXX ( currently XXXX XXXXXXXX XXXX ) and was able to obtain a transcript from the registrar showing my financial activity between XXXX when I last attended school. I graduated on XXXX XXXX with my XXXX XXXX. 

My transcript shows that I had a total of XXXX XXXX XXXX XXXX student loans of {$31000.00}. How did we get to {$340000.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX 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 # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 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