BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: Bull City Financial Solutions, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company and several before it have tried collecting a debt of XXXX XXXX I tried several years ago to verify this debt with the original creditor duke energy. They have no record. I have gotten this account removed several times and it just changes hands and hits my credit over and over again as a new debt. I have called recently to XXXX XXXX ( XXXX ), again no record of debt. I do not owe this money and have never owed this money. I disputed last month because it hit my report again but I notice my social was wrong, so I called XXXX and you know what happened? They changed the social! What kind of XXXX is this? Are credit bureaus and debt collectors working together now?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Good evening, To whom it may concern, My name is XXXX XXXX XXXX, XXXX executor, secured party, creditor and sole living heir to the XXXX XXXX XXXX XXXX XXXX 

I have contacted Experian numerous times using various methods of communications both written and verbal. My efforts have Been ignored, laughed at, discriminated against, mocked, and by them doing so has caused me pain and mental anguish. The unauthorized use of my private information by EXPERIAN and it's third party associates has not gone unrecognized and I must point to proof of such unauthorized inquiries and accounts. 

EXPERIAN has misled me to believe that they are a Credit Bureau which is in fact the opposite. According to 15 USC 1681a ( d ) ( 1f ), EXPERIAN is a Consumer reporting agency and a Consumer Reporting Agency means any person which, for MONETARY FEES, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

Based on the scope of the definition, it clearly indicates that EXPERIAN is in the business of buying and selling consumer 's private information to third party vendors. Which would make them some sort of financial institution and also dealing in securities and exchange. 

Being a XXXX XXXX XXXX and not a vessel of the United States. It is my right to demand access and assess all accounts and contracts that all U.S Corporations has established with the XXXX XXXX XXXX XXXX XXXX without my written consent. That also includes EXPERIAN. 


The Freedom of Information Act ( FOIA ), the Privacy Act at 5 U.S.C. 552a ( b ), section 1106 of the Social Security Act, codified at 42 U.S.C. 1306, and SSA regulation at 20 C.F.R. 401.100 provides legal authority for disclosure of SSN verifications from SSA records.

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 2020-11-25
Company: EQUIFAX, INC.
State: IA
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 uploaded a letter to XXXX, Equifax and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, Equifax, or XXXX does not have any files to verify these accounts, nor will they delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I made a purchase for XXXX wigs from XXXX for XXXX. On XX/XX/XXXX I received an email from the merchant that they did not have enough product & would refund in XXXX days. In XX/XX/XXXX I received another email that said it could take up to 30 days. On XX/XX/XXXX I filed a dispute with my bank USAA & gave the emails from the merchant. At that time I received a credit. I received an email on XX/XX/XXXX that said it was closed because more info was at said it was closed because more info was needed & the credit was reversed. A rereview was submitted that same day. I resubmitted the XXXX emails from the merchant again. The next day on XX/XX/XXXX I received another email stating that I resubmitted the same documents & there was no error found from the merchant. However, in both emails the merchant acknowledges that I would not receive what I ordered & to go through my bank to get my refund faster. On XX/XX/XXXX I called back again & spoke with a USAA manger who told me there is nothing more that I can do. I called back & spoke with another manager who told me that a dispute analyst would call me within XXXX business days. I received a call today, XX/XX/XXXX, at XXXX but could not hear anything. Once the voice did come through I was hung up on. Of any dispute that was ever placed on my behalf this has been the one time that Ive had a direct email from the merchant stating I would not receive what I bought & I do not understand why USAA would not handle this issue, especially when they state that they guarantee the return of money for their customers if defrauded. This is the XXXX time Ive gone through this was USAA & I refuse to allow this to happen again. I will be closing my account once I complete handling this issue. As a XXXXyear veteran of the XXXX XXXX I do not feel that my money or myself I Has been taken care of or handled with care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: LFG Data Services Holdings, LP
State: OH
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:
XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics,
or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 explanation
Consumer complaint received 2022-01-20
Company: TD BANK US HOLDING COMPANY
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2021 {$1.00} XX/XX/2021 {$44.00} XX/XX/2021 {$22.00} XX/XX/2021 {$44.00} XX/XX/2021 {$9.00} XX/XX/2021 {$86.00} XX/XX/2021 {$86.00} XXXX deactivated my previous credit card with new one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX opened a student account with Suntrust in my name to pay my tuition. My government loan was automatically deposited into this account each semester to pay my tuition. Naively, I believed they were only giving me the amount I needed. It wasn't until recently, while applying for PSLF, that I learned I was given far more than I needed ( thousands more- $ XXXX more ) when I compared what XXXX charged with what was actually dispersed. It was not unreasonable to believe that I was only given what I needed ; I was a kid, I didn't know any better and neither XXXX nor Suntrust told me. I lived in XXXX  for XXXX years after I graduated and I never received any bank statements to let me know this account existed. Nor was I notified that the account was closed for dormancy ; despite, the terms of the Suntrust account stating that after 12 months of dormancy it would be closed ( which should have amounted to no more than {$900.00} or {$15.00} per month in fees ). Had I had any notion of this account I would have immediately closed it and sent the money to my loan so as not to have been paying interest on it all this time, but at this point the money is mine. Suntrust recently merged with BB & T and became Truist. I called Truist and was informed that my account was last updated on XX/XX/2022. It has my current address in XXXX. We are a military family so we move frequently, however, they have my current address ... which only leads me to believe they have been able to reach me all this time. But regardless, when I graduated I lived in XXXX and I continued to live in XXXX for 3 years afterwards at the same address. Furthermore, I forwarded my mail for an entire year afterwards. Then we bought a house in XXXX  and had our mail forwarded for an entire year after that. There is no excuse for not having been able to at the VERY LEAST send a single bank statement in XXXX years. It's almost as if at this point, they didn't want me to know I had the account and were deliberately preventing me from knowing about it. When I talked to their representative she could not tell me how the account was closed, why, where the money was sent, why I never received bank statements ( despite not having online banking ), why it wasn't closed for dormancy, nothing. There was no available information and advised me to go to a local branch. However, being that I live on the XXXX XXXX and this is a sXXXXXXXX XXXX that is very difficult.

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 2023-11-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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 am submitting this complaint personally to resolve a matter related to unauthorized inquiries on my credit report. The data in question is not associated with me, and I request the prompt removal of this fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXX, Wells Fargo reported that I have opened a new account with them. The report was made to XXXX and others credit bureaus. I DID NEVER requested for services from Wells Fargo neither personally, online, by phone or by any other means, nor shared any information such as my SSN, birthdate, email, etc. As of today, it appears as I have a debt balance of {$140.00}. I reached an agent by phone on XX/XX/XXXX, and I was told that I do not have an application or account listed on my name, but I am attaching a picture of the existing account reported in the credit bureaus. I do not find an explanation on why the phone rep could not provide accurate information.

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 2022-12-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Account Name : XXXX XXXX XXXX Date Opened : XX/XX/2016 Amount : {$0.00} Account Type : Charge Off, Deposit Related This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: CL Holdings LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by a collection company in XX/XX/XXXX regarding an amount of {$550.00} owed to XXXX XXXX. I stated that I had not had an account with XXXX since XX/XX/XXXX and my balance was completed paid. I asked for verification and further details about this amount owed and was referred to XXXX XXXX XXXX. I sent a letter correspondence in XX/XX/XXXX asking for proof and verification regarding this debt and stated if in fact owed I was willing to make payment with removal of derogatory collection remarks. No verification or response was received. I then went ahead and disputed it with all 3 bureaus in XX/XX/XXXX. This dispute was denied and in XX/XX/XXXX I requested verification again which went unanswered leading me to believe this collection was in error. I sent notice to all 3 bureaus again via certified mail. This dispute was again denied and a letter from XXXX XXXX was sent to my home stating they would not share or verify this account with the bureaus. At this point this collection remains on my account hindering me from qualifying for a federal mortgage first time home buyers program which I am praying to secure. I have no other blemishes on my report other than this and through my efforts have received no response or solution in my attempts to resolve this. This company has been using different collection agencies to contact me and even has different names on my report under the same collection. On XXXX they are under XXXX XXXX XXXX XXXX XXXX, and on XXXX  they are showing as XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hi there. 

I have been trying to get a Lien Release letter from Hyundai Motor Finance for a XXXX XXXX that I purchased out from my lease on XX/XX/22 ( payment amount : {$11000.00} ). I was sent the title in the mail ( from Georgia ), but when I went to register the car in New Jersey, I was turned away at the DMV because I was not sent the lien release form from the financial institution ( Hyundai ).

I have been trying to get the lien release sent by Hyundai Motor Finance since XX/XX/XXXX, and I was told then that it would be mailed in 10 days AND faxed to me within 4 days. Neither of those things happened, and I have now had to reschedule DMV appointments multiple times, which are not easy to get. I have been told on the phone several times that the " back office '' needs to process the request, which apparently takes multiple days, and then they told me that I will have to call them back for an update. I have had this same conversation multiple times, and they have no record of why it was never sent, and I'm not confident that this next request will be sent. 

I have agreed to sell the car and have a buyer lined up, but I am now being forced to hold up the sale of my car due to not having the Lien Release, which is something that should have been sent on XX/XX/22 when I purchased the car. I do not understand why a simple letter can not be emailed/fax/mailed instantly. 

I have seen multiple people across different websites complaining of the same behavior at Hyundai Motor Finance and I will not be leasing/purchasing a car from them ever again. 

Thank you.

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 2020-09-09
Company: Activehours
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
On multiple occasions the Earnin payday loan company has withdrawn money from my account ahead of my pay schedule resulting in overdraft fees of {$30.00} per incident. 

While this has happened more than 3 times I have record of my last conversation with Earnin in which they were supposed to update the pay cycle on XX/XX/XXXX but failed to do so resulting in another overdraft fee on XX/XX/XXXX. 

When contacting them on XX/XX/XXXX and XX/XX/XXXX I was informed that they would not be able to perform a refund but would update my pay cycle. I am no longer using this app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In addition to being a ID theft victim, the info on my XXXX and XXXX reports are showing a car that was charged off but paid in full in XX/XX/2022 is showing XXXX  ( CHARGE OFF/COLLECTIONSs ) on every month since XXXX of 2022. 

How can this be? IF the loan was paid in full in XXXX why isnt the reporting of the loan being accurately reported? 

The other issue is I am bot the person who got this loan as my ID was stolen. I am providing the FTC and Police report info with this complaint. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ALLY BANK XXXX XXXX XXXXXXXX XXXX # XXXX, MI XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

A copy of my credit report I received from annualcreditreport.com.

The fraudulent items are circled and listed here : 1. ALLY BANK AUTO Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from XXXX The fraudulent items are circled. 
A copy of my Identity Theft Victims Complaint and Affidavit. 
A copy of my FTC Identity Theft Report. 
Proof of my identity and proof of my address. 
Confirmation of fraud alert. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my driver 's license/other government-issued identification card/other ] Proof of address Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ] Copy of fraud alert

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