BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
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:
On XX/XX/XXXX I sent a letter to Equifax to dispute items negatively reporting on my file, for proof of accuracy and if the item could be verified. There were 5 items that were disputed on this inquiry. 

On XX/XX/XXXX I sent a second letter of dispute to Equifax in regards to items negatively reporting on my file for proof of accuracy and if the item could be verified. There were 6 items included in the dispute of this inquiry. 

On XX/XX/XXXX, I sent a third and final letter of dispute to Equifax in regards to items negatively reporting on my file for proof of accuracy and if the item could be verified. There were 6 items included in this dispute of this inquiry. 

As of today, XX/XX/XXXX I have not received any response from Equifax. The only acceptable response is to provide proof that the item is verfied BY SUBMITTING ORIGINAL SIGNED CONTRACT WITH WET INK SIGNATURE according Section 609 ( A ) ( 1 ) ( a ) of the FCRA. If you can not provide proof, that means the items are unverified. If the item is unverified, the item is to be removed from the consumers credit profile. This is law. This is only acceptable. 

This is my final attempt to settle this dispute with said company, other wise we are pending litigation with a complaint filed in U.S. District Court Central Division of California for negligence of compliance secured and guaranteed to me in sections 616 & 617 of FCRA. 

Also included, you will be sued for the following reasons : Tyranny ( abuse of power ) - Establishing your own jurisdiction and not complying with FCRA regulations. 
Fraud ( Acquiesce ) - Consent to fraud by Tacit, Silent or Passive response. 

And any additional findings in your efforts to verify items disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
the 3 credit reporting agencies are reporting inaccurate information by recording my " transactions '' and or " experiences '' according to title 15 usc 1681b and 1681 ( 2 ) ( A ) ( i ) and 15 usc 6802 I have a right to opt out. where is the disclosure on this information? because this information is reporting inaccurate I want these late payments removed immediately. 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 non-monetary relief
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am severely  XXXX, to the point that I am housebound. I won an EEOC class action suit and wanted a new bank account so I could use the funds I won from that suit separate from my XXXX income because it was to be used as investments with my sister-in-law/power of attorney. Wells Fargo had a promotion going on at the time for new customers, despite all the bad press with them ripping off customers and against my better judgment I opened the account with them and deposited $ XXXX. I started making my investments and attempted to link the account to my XXXX when it was flagged for Fraud. It has been a nightmare ever since. Wells Fargo shut me out with $ XXXX left in my account. I have tried calling their TTY number and used IP Relay several times and it never stays connected or customer service hangs up on the relay agent. I asked that the account be closed and remaining funds sent to me, I sent them a notarized request of withdrawal and account closure three times. I have written letters and contacted them via XXXX. The response is always the exact same, that I need to come in to a branch physically with two forms of ID. I have told them in every single correspondence that I am XXXX beyond the ability of coming in, if I was allowed to open the account online I should be allowed to close it online. I have sent them copies of my birth certificate, my XXXX ID, and social security number, they have proof of my address. I don't understand what the problem is. In any event they sent me a letter recently telling me that due to inactivity the account has been flagged as inactive and funds might someday be released to the state. " escheat ''. But I have no idea how long that could take or if it will even happen. It should not be inactive as I have actively been in contact with them trying to prove I am the account holder and that I want my money back now. A state notarized document and all the copies of my identity should be enough. I have a power of attorney ( sister in law ) who could go into a branch on my behalf but because she was not added to the account before it was flagged they won't release money to my power of attorney. Their ADA standards are absolutely horrendous. I just want my money, please help.

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 2023-02-26
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 status incorrect

Complaint:
Dear. CFPB There is incorrect error in my EXPERIAN Credit reports. 
Show that XXXX  XXXX cards open and closed. 
I never had XXXX XXXX cards so please Deleted on my credit reports please. 

In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2019-12-04
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ad Astra continues to report a payday loan that I never took out. I have disputed this 6 times as it is fraud but they have continued to report it as a collection for over 6 years now. They also state that I am paying on it so they can keep it on my file longer : AD ASTRA RECOVERY SERVIC Collection Balance Decrease of {$1.00} It looks like you might be paying down this balance. Good work! Keep in mind that lowering your collections balance won't necessarily change your credit score, although resolving a collections account could help you rebuild your credit health over time.
Between XX/XX/2019 and XX/XX/2019, the balance on your AD ASTRA REC collections account decreased by {$1.00} from {$610.00} to {$610.00}.

This is completely false as I have never paid them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: CITIBANK, N.A.
State: CA
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:
In XXXX I opened up another account for my daughter. She is a minor and we only wanted to use the account for her allowances. When we signed up they told me we need to use direct deposit to avoid the service fees or have {$1500.00} or more on the account. We have been using direct deposit. But in XXXX they charged us with service fees and I went to one of the branches and asked why I am being charged with a service fees. They told me that I did not have {$1500.00} or more in the account. So I told them we did direct deposit to avoid the fees. And that my daughter is a minor and she is under my name as a joint account and I have more than {$1500.00} or more in my account. They said it works separately. Thankfully they refunded the service fees. And then I went and put more money in my daughters account from my account to have {$1500.00} or more. They still charged us again. I went and asked why am I being charged now. They told me that there was a period of time when there was not enough money in the account that exceeded {$1500.00}. And to avoid the service fees I have to do a direct deposit of {$250.00} or more which they never told me. I asked them when I was signing up a out the amount of direct deposit and they told me ANY AMOUNT. But now they changed there words and now all of the sudden asking for {$250.00} or more direct deposit a month. Its a minor account for allowances. I am getting frustrated by them changing words every time I go in there. It does not say it in the papers either. And when I was there trying explain they lady there did not listen and she just cut off and talking and she kept saying her things.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-06-05
Company: EQUIFAX, INC.
State: SC
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 the several times I've complained about being a victim of identity theft. You must remove the items that are opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 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 not information relating to any transaction by the consumer. Please delete the following items : XXXX OXXXX 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 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 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 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 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 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 2018-12-05
Company: EOS Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not had XXXX XXXX for over 6 years and i never owed anything when i closed my account. I paid it in full. I now have a collection on my account from a collection company for this account. I have tried to have it removed by addressing it with the credit bureaus but have had no success. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a brokerage account with XXXX and through the USAA process, transferred funds into that account. However, after USAA approved this ; they denied the transfer of funds. However, since then, USAA has questioned several deposits from my old XXXX account into the USAA checking account. These transfers were from my brokerage account. The rep called me today ( XX/XX/XXXX ) and suggested that I made criminal activity into the account from XXXX. This was an individual account that I had for 17 years, duly reported all income from that account to the IRS - yet USAA has for now, more than three weeks and with two employees and one manager implied directly that I was conducting criminal activity in the account by transferring to and from my brokerage account. This has to stop. It has become harassment. I am a retired XXXX XXXX XXXX veteran. I am not a criminal. Yet, after following all of USAA 's processes - they turn the tables and accuse me of being a criminal ... now, three times. I can prove the account with XXXX is legitimate ; provide all Schedule D 's to the IRS. How do we prevent financial institutions from accusing people that deposit small amounts of money ( realizing we are not all wealthy bankers ) into our checking accounts from brokerage accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18
Company: Amsher Collection Services, Inc.
State: MI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted to open an account with XXXX, and they informed me that I would receive my SIM card, but I did not receive it. XXXX proceeded to bill me for XXXX dollars for service I never received or used because I did not receive the SIM card. I did not notice the charges because I rarely use the bank account. I've spoken several times to XXXX, who often could not find my account, saw that I had not used my account, and finally told me I would only be able to receive approximately {$60.00} back because they could not send the money back to my account since I closed the account due to their transactions. XXXX wanted an account number to send my refund, but I refused since they had already taken over {$300.00}. Finally, they turned my account over to AmSher Collection Service , Inc., stating that I owed them money and that they would create a negative statement on my credit report if not paid. This issue has been going on since XX/XX/2023 and they still have not refunded my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, 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:
I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFFS account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possibleXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
i recieved a copy of my credit report and noticed 3 accounts on my credit report that i never applied for and never used these accounts are fraud all these 3 companies have been contacted and have tried to fix it with the companies

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 2021-04-12
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was recently affected by COVID 19  and fell behind on my bills So I wasnt able to make my payments .Im now at a stable state to make sure my payment is made on time plus pay more to make up for the past due .These late payments are hindering me from becoming a home owner.Im seeking for a second chance and asked can the late payments be removed from all three credit bureaus as follows XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX  Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, MI XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX I did not authorize this please have them removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
their advertising clearly states that a {$1300.00} destination charge in included in their advertised price. They are saying it clearly states that the {$1300.00} is in addition to their advertised price but I pointed out to the immediately below where it says " includes {$1300.00} destination fee '' it says " excluding taxes and other fees '' so that if XXXX line says its included and the next line says it excluded, then they can't possibly think that excluding both from their advertised prices makes sense. 

I can't possibly be the first person that thinks that " includes '' and " excludes '' actually do mean the opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I noticed an unauthorized transaction in the amount of {$1200.00} on my checking account. I called my bank, Ally, to open a dispute and they advised they had and that I should be receiving paperwork to fill out and return to them soon ... 5 days later nothing had arrived and I checked online and they are showing my dispute as " closed '', I called they assured me the documents they want me to fill out should arrive soon ... 7 days later I can still the dispute still showing " closed '' and no documents have been received in the mail. I called back, the bank representative said he wasn't sure what was going on so I asked for a supervisor, the representative put me on hold for 20 more minutes and eventually just hung up on me ... I'm over a week in, multiple phone calls and hours on hold, and I don't even know if they are looking into this dispute or not.

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 2022-10-28
Company: ALLY FINANCIAL 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:
In light of recent investigation upon XXXX, I find that my consumer file is being irresponsibly tampered with. Over the past few months I have made several attempts to remind XXXX of their duty pursuant to 15 USC 1681. It appears that they have intentionally and willfully been neglecting remedying my affairs. 15 USC 1681e ( b ) states that I am due, promised accuracy in my report based on federal law. 

I did not apply, nor ask for credit, nor did I give permission to this company to run my credit, place a hard inquiry on my credit file, or furnish any inaccurate 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