BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed the above Credit Card accounts with US Bank a few years ago. They have held the balance of my funds in one or more of those closed accounts plus interest to date and have refused to refund my money to me. I am aware of {$3.00} in one account alone in which they mailed me a check then stopped payment on it causing me 5x the amount in bank fees by my new and current bank that the check was deposited into. I believe this was done intentionally and maliciously in retaliation for my filing a complaint against them in the past.

I received a letter dated XX/XX/XXXX from US Bank followed by a check in the amount of 13 cents re : interest and/or fee adjustments on dispute or fraud claims I filed against them with the past 8 yrs. This was only for the account ending in XXXX ( see attached. ) I WAS NEVER PROVIDED ANY INTEREST/FEE ADJUSTMENTS ON MY OTHER US BANK CHECKING ACCOUNT.

THIS IS UNRELATED TO MY CREDIT BALANCE IN ANY AND ALL OF MY CLOSED ACCOUNTS.

XX/XX/XXXX I phoned US Bank Cardmember services. I spoke with the representative who transferred me to her Supervisor XXXX. I had to go over the story twice, asking that they refund me any and all funds I have in any and all of the three closed credit card accounts with them.

He claimed they had issued me a check on XX/XX/XXXX and despite the fact US BANK stopped payment on the check and it was returned to them ( causing me 5x the amount in bank fees! ) whereby I NEVER RECEIVED MY MONEY, he stated US Bank had deposited my money into my other closed credit card account and he refused to refund my money! He also refused to provide me with his Supervisors name and refused to allow me to speak with his Supervisor. I spent 41 minutes on the phone only to be run in circles.

I am a senior citizen. US Bank should be forced to turn over my money to me plus interest and be penalized by their governing agency for THEFT. 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 2023-01-26
Company: Levy & Associates, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Levy & Associates LLC has contacted me over 12+ times for debt that I do not owe. I have sent them ( 7 ) separate letters via fax and USPS mail since XXXX XXXX  to Cease & Desist, yet they continue to contact me. 

They have threatened to garnish my bank account and continue to pursue debt after they have been repeatedly advised that I receive Social Security Disability. They recently contacted my bank for financial details as well. 

I have copies of all letters and faxes that have been sent to this company since XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeatedly asked this company to stop calling. I have requested verbally and in writing for this company to provide me with proof that the account is mine. I have received to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-15
Company: EQUIFAX, INC.
State: TX
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:
CFPB complaint XXXX was denied by XXXX in XX/XX/2021. XXXX has proceeded to retaliate for filing this report. In XXXX Equixfax received per their knowledge that XXXX reported this account now nearly 6 years closed and 60 days late. 

I am filing another CFPB report against Equixfax as well for illegally posting adverse information against a long closed and paid full account. 

I am providing added information related to Complaint XXXX again outlining how XXXX XXXX was slow to process a mortgage pay-off from another financial institution, likely also in retaliation. 

I am demanding monetary reimbursement for 5 years plus of unjustified reporting by XXXX and now more emotional distress as I prepare for an new business loan which will be stalled until this is resolved. I had a credit rating of 820 plus which dropped 61 points overnight due to XXXX XXXX retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 155 USC 1681 XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602.A States I have a right to privacy 15 USC 1681Section 604.A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other that records of conviction, other that records of convictions of a crimes which antedates the report by more than seven years 15 USC 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 explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: AAA Auto Title Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have been paying back my loan for over very long time. The balance is the same and sometimes more. Whenever I have a few dollars of equity the company hounds me via text and email to take out whatever I have. Essentially, refinancing the loan. At one point due to financial hardship they waived some of their fees, I received a tax doc for the write off amount but then they added those fees again. None of my {$200.00} plus payment per month goes towards the balance. There is no end in sight. Due to my current job loss and spouses medical issues, they just keep adding on the fees. This is predatory lending at its best.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XXXX I was a Wells Fargo customer, I had a regular checking account, I received what I thought was a check/ debit card a few months after I had opened a checking account, i assumed it was a mistake and they had sent me another XXXX debit card. I called and activated the card, and found out I had XXXX limit. Moving forward at that point I did use the card and I did pay it in time. The account was closed soon after, not by me but by someone in the credit dept, I had got a auto loan for a XXXX XXXX, it wasn't much, XXXX, when I went to sign up, my payment went from XXXX month to XXXX months, I wasn't good with that and was told to make the first payment and then they would redo the loan and get me where they said it would be originally, I went back after the 2nd payment to talk to the lady, she was no longer their, the man I spoke to told me he was sorry but couldn't help me, after several calls to that man, he left the branch also, I told them I wanted my original deal I was promised,, about 3 months later they came and took it in middle of the night. A them fees and all the credit card XXXX  XXXX they put me through was stupid. I put XXXX down on the XXXX and lost that and lost all the insurance I had at my expense that I paid Wells Fargo for. I will never so much a look at any XXXX of them shady places again to ever do business with. Every thing they told me was a lie, then to top it all off I was paying for a saving account I didn't agree to, and I business checking account that I was paying a charge that I didn't want of need. I didn't have a business at the time, I worked for someone and had direct deposit ever wk going to my account.

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 2018-12-20
Company: NATIONS DIRECT MORTGAGE, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2018, our mortgage loan office, XXXX XXXX, requested copies of electronically signed disclosures be forwarded to her so that she could deliver all documents to us in one file. XXXX XXXX at Nations Direct emailed XXXX XXXX and instructed her to forward the disclosures to XXXX XXXX. The disclosures were not forwarded. Therefore, XXXX XXXX emailed XXXX XXXX on XX/XX/2018 asking for the disclosures again. Again, the request was ignored. Finally, XXXX XXXX emailed her on XX/XX/2018 and informed her that we would be submitting a complaint to the Consumer Financial Protection Bureau if the disclosures were not forwarded by XX/XX/2018. To date, the disclosures have not been forwarded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX and XXXX of 2021, I disputed there were several inaccuracies on my credit report with XXXX, XXXX, and XXXX. 

The spelling of my name was wrong. 
The correct spelling of my name is XXXX XXXX. 
There were old and fraudulent addresses still on my credit report. 
My current address for the past 13 years is XXXX XXXX XXXX XXXX, XXXX FL XXXX There are several inquiries on my report in which I have no accounts with, or havent had in the past. 
And there are closed accounts that I agreed with the creditors to delete when paid.

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 2018-12-07
Company: AES/PHEAA
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: Account information incorrect

Complaint:
The attached confirmation of payment of XXXX made on XX/XX/XXXX further validates that the XX/XX/XXXX and XX/XX/XXXX entry of 90 days late reported to all credit bureaus is invalid and I am requesting immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Date Opened : XX/XX/2012 Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 dont Know About The Inquiries 
Like.XXXX XXXX XXXX On XX/XX/XXXX
XXXX XXXX XXXX On XX/XX/XXXX
XXXX XXXX AND On XX/XX/XXXX
XXXX XXXX XXXX On XX/XX/XXXX
XXXX XXXX XXXX XXXX On XX/XX/XXXX
XXXX XXXX AND On XX/XX/XXXX
Can You Please Delete It 
This one Is ID Victim

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 2018-08-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
INDEMNITY BOND with the Department of the Treasury not being honored to DISCHARGE debts by Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 reviewed my personal credit report(s) online in XX/XX/XXXX and saw where XXXX reported to credit bureaus TransUnion and XXXX  that I owed them $XXXX. I then spoke to XXXX  on the phone to clear the matter up to no avail. I gave them my name, social security number, and the partial account number listed on credit reports and was told that there was no error. I reiterated to them that the amount owed was not my debt and that they should close the account and remove this delinquent status from my credit report.Since speaking with XXXX, I continued to monitor my credit report(s) and then decided to put my dispute with them in writing via certified mail on XX/XX/XXXX. During this time the amount owed grew to $XXXX. I requested “validation”, that was competent evidence bearing my signature, showing that I have (or ever had) some contractual obligation to pay them. I further requested that if they could not validate the debt, they must have all credit reporting agencies delete the entry.XXXX responded on XX/XX/XXXX where they listed the account identifier (account number) as XXXX and stated that my return address does not match the address in their records and that they needed additional information to respond to my request.After reviewing my credit report(s) for XX/XX/XXXX, I noticed a comment under the XXXX entry that stated, “Account closed at consumer's request and dispute investigation completed; consumer disagrees.” I wrote to XXXX again on XX/XX/XXXX asking for evidence as well as the name, address, and telephone number of each person who personally verified the alleged account so I could inquire about the process since they failed to present any proof bearing my signature. I received no response to date, and they have since reported that I owe $XXXX. The “Payment History” for this account starts at the month of XX/XX/XXXX and is marked “C” for collection. No other payment history is listed before XXXX although the report states that the account was opened in XX/XX/XXXX and the highest balance at one point was $XXXX. Prior to XX/XX/XXXX, XXXX  was never listed as an account on any of my credit reports. I am now suffering hardship in obtaining credit due to negative credit reporting and a significant decrease in my FICO scores. I have sent dispute letters to XXXX and TransUnion as well on XX/XX/XXXX and XX/XX/XXXX to no avail.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-10-19
Company: Experian Information Solutions Inc.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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