BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: NC
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:
Identity documents which includes ID & Social security card were stolen in XXXX. After recently obtaining a copy of my credit report I found several FRAUDULENT accounts and inquiries that were listed on my credit report they were listed on my XXXX, XXXX and Experian. These accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a account without my writen instuctions. 15 usc 1681 i ( 5 ) inaccurate credit reports directly impair the efficiency of the banking system. IN accordance with the fair credit reporting accounts listed below : Following are the accounts and inquires : 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 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 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 2021-10-07
Company: EQUIFAX, INC.
State: GA
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 have sent out letters about things on my credit report that were unknown and not accurate at all. This was back on XX/XX/2021. Ive been waiting more than long enough for a response. I know for a fact that it is well over 60 days and I still havent heard from the bureaus. According to my recent research the rule is that if I dont get these inaccurate items on my credit report investigated within 30 days, they MUST be removed immediately. I totally understand that because of COVID 19, things may move a LITTLE slower. But with it now being well over 30 days past time ( 60 days total ) these unknown items MUST be removed so that I can continue on with my life. These accounts have honestly caused me stress and are much of an obstacle when trying to get my new home. I shouldnt have to be punished for the bureaus not doing their job. With my information being impacted by the Equifax Data breach, it could have possibly got into the hands of the wrong person. Either way, I am tired of dealing with this and it needs to be fixed ASAP. In fact, if these accounts are not removed immediately, it leaves me no other choice but to file litigation. I already gave each bureau my authorization to work through this process of removing this mess from my credit report, so fixing this shouldn't be a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
At one point i had thousands of dollars in my account. They froze my account while i was away from home and i had used XXXX to get there. I was then stranded amd forced to walk 7 miles home. Later then it seemed i was getting charged a bunch of fees despite using my account the required number of times to avoid the fees. I then attempted to close the account and they refused. Since i could not close my account, they comtinued to charge me overdraft fees once my money was no longer in the account. I then tried to open a new bank account with another bank. Because they had overcharged my account roughly XXXX dollars in fees, I was forced to give them XXXX dollars in order to finally close the account in order to open a new account with a new bank.

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 2020-08-03
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been trying to invest my money through XXXX and my bank is not allowing me to link my account so I may do this. This is MY money i should be allowed to use my money how I please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: World Omni Financial Corp.
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX I put in a requests for an extension to see how much it would be for a 30 day and a 60 day extension after viewing the amounts so I knew what to set aside the company canceled my requests. Then on XX/XX/XXXX I submitted another request for a 30 day extension this was provided but was over {$900.00} and is {$600.00} away from what is due in total on the account currently. I made a {$130.00} payment today and have two payment schedules to come out within 30 days. The company XXXX doesnt seem willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Self Financial Inc.
State: WI
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 This May Concern, After reviewing my credit report, I noticed that the balance being reported for my self secure credit card through lead bank is reporting inaccurately. You have a balance of ( {$99.00} ) of being owed and according to my records that amount is inaccurate.

This account should be listed as ( paid in full ). These accounts appear to be furnished by the same creditor so why is all the provided data different. 
I have attached a copy of ( my credit card statement that proves your balance is in correct ). 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent a certified letters to National Credit Systems , Inc asking them for debt validation of the account as I never received any bills prior to the debt hitting my credit report. The alleged debt is a sum of {$2900.00}. I received a letter back on XX/XX/XXXX stating they had attached verification of the debt they obtained from the service provider. The document provided included two full pages asking for payment but no details of the alleged account. Under the FCRA 15 U.S.C. Section 1681i any unverified accounts must be deleted promptly, they where not able to provide me with the proof or validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: AMERICAN EXPRESS COMPANY
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/2019, AMERICAN EXPRESS Inquired on XX/XX/2019. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Experian Information Solutions 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/2019 I submitted a complain against Experian, complaint # XXXX. This was in regards to a derogatory credit account illegally being reported on my Experian credit report. On XX/XX/2019, Experian responded back to my complaint explaining that the account I was disputing was not being reported on my most current Experian credit report, and that they would mail me an updated Experian credit file. Today, XX/XX/2019, I received said Experian credit report, and the item that Experian told me was not on my credit report, is in fact, on the updated credit report they sent to me, report # XXXX, dated XX/XX/2019. I have scanned page 4 of the report that continues to illegally report this negative account on my Experian credit file.

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 2019-11-15
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XX/XX/2019 phone call received from a XXXX XXXX from XXXX XXXX XXXX. Stated that I was approved for student loan forgiveness program. She looked up the company I work for and stated that it fell under their terms for public service. She filled out all these forms. She also went through and got to my FSA account and had me forget password and go through there to see who my loans were through and get the information. She then had me sign documents and send in verification of employment and family house hold. The terms were that I pay {$200.00} for 6 months to their company and also continue paying the {$10.00} a month to my student loan service. I could not pay off my loans any sooner than 10 years because it was a contract. After this was all done a couple of weeks later I called the company and asked my concerns about how things did not seem correct and I just seemed uneasy with it and he reassured me that after the 10 years the left over interest and payments on the account would be forgiven. I still did not feel comfortable so I called my student loan service company and they could not tell me too much other than a consolidation loan had been made and my payments were only {$10.00} a month and will be re-evaluated next year. I finally found an email from the company ( XXXX XXXX XXXX ) and there was a warning as soon as you click their website stating that the company on XX/XX/2019 was sued by the Bureau for Consumer Financial Protection for practices related to their student loan debt relief operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Regional Management Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We are 2 months behind on car payment. Called today to make a payment of {$420.00} which is my monthly payment. The caller refuse saying if I didn't have {$600.00}, I had to turn the car in. I asked the caller to explain there policy. Caller stated he was told to only accept {$600.00} from me. I am on a fix income and I make a payment once a month. they refuse my payment but will try to report it to credit bureau like I was late but I'm on time. Caller stated I had to have {$600.00} or turn the car in. I just want to pay my car payment and drive in peace but the works at the location is very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I informed XXXX that the XXXX XXXX credit card account found on my credit report was fraud and they still didnt take it off they keep running me in circles I have sent them letters from bank and collection agency saying its fraud. I want it removed off of my credit report 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 explanation
Consumer complaint received 2020-12-10
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I received a SBA LOAN and had the funds deposited into My business account at Suntrust Bank. On XX/XX/XXXX my bank account was frozen and from what I was told it was due to rules and regulations. I called and they stated that I had to wait 7-10 days after my last transaction in order for my account to be fully closed and I get reimbursed my funds. On XX/XX/XXXX I received a letter from Suntrust stating that the remaining funds would be mailed to me in form of a check within 5 business days. I never received anything so I called Suntrust again. This time they said they didnt send my funds because they didnt want to send it to the wrong person so they requested several documents to prove ownership of the account and funds. I went into the branch with the docs requested which was, my EIN VERIFICATION LETTER That was FROM XXXX, my XXXX & XXXX Tax documents, my SBA loan approval letter and my Driver License and spoke with the Branch Manager XXXX XXXX ( XXXX XXXX XXXX ) and had the documents sent via Fax to Suntrust ( back office ). I was told to wait 1-3 business days for the process. I waited 3 days and followed up with Suntrust, they said they didnt receive the documents so I took another day off to prioritize the matter and went back into the branch and spoke with the same manager and the called to verify all the documents they needed and where she had to send them to. I provided all of the documents and sent resent them. I was told to wait 3-7 business days as the documents were verified. In XXXX I did another follow up and I got the same results. I waited approximately 1 month to give them time to resolve the issue to get the same results. I contacted the SBA and they told me that it was out of their hands. So I called Suntrust again in XXXX for them to ask for the Same documents that I sent, So I sent them again for them to tell me theyre not gon na reimburse me. During this unconstitutional process, I lost a {$240000.00} contract with XXXX XXXX XXXX due to not being able to fund my business and employees 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 monetary relief
Consumer complaint received 2018-10-31
Company: LOBEL FINANCIAL CORPORATION
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:
My car loan with lobel fincial was reported as 60 days past due when it was with a claim on gap insurance and was going to be paid in full all i had to do was pay the deductible befor my due date on the XXXX and i paid the XXXX for the deductible on the XXXX i was still reported as 60 days late and one my  accout was paid in full was reported as closed not paid infull

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: NC
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:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY 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 Balance : {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: EQUIFAX, INC.
State: TX
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:
In XX/XX/XXXX I disputed an account reported XXXX XXXX XXXX XXXX XXXX under XXXX XXXX XXXX XXXX, XXXX in the file that was maintain under my Social Security number for {$780.00}. 

I requested debt validation of the debt and after months of disputing this alleged debt it was deleted from my account under XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX by XXXX   and XXXX. 

Now I discovered that the item has been reinserted on my credit report by the same buyer ( XXXX XXXX XXXX XXXX, XXXX ) who moved it to an associated collector XXXX XXXX XXXX. This collector refuses to give appropriate debt validation and mentions that they are closing the inquiry that I requested on their XX/XX/XXXX correspondence ( attached ). 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the credit bureaus are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA. XXXX XXXX XXXX attempt to override the law by reporting this alleged debt on my credit reports under their company XXXX XXXX after it was removed by both bureaus as XXXX XXXX XXXX is unconscionable. Unfortunately, the credit bureaus did not inform me of the reinsertion is even more regrettable. 

Therefore, I request that the credit bureaus delete XXXX XXXX XXXX from my account as it is related to XXXX XXXX XXXX ( which was previous removed ).

Company response to consumer: Closed with explanation