BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also permission to 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 2021-07-09
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted the creditor in XX/XX/2021. After communicating with a manager in the collection 's department, I negotiated with the creditor regarding a payoff amount to settle the account and remove the derogatory information related to the account. The creditor agreed to the payoff amount, but did not remove the derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: LDF Holdings, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/XXXX I took out a {$600.00} loan with Lakeshore Loans. I understood when we spoke on the phone that my monthly payments would be {$160.00} and that I would need to pay them on my pay day every month. Well I have now paid off this loan and then some and they are still saying that I owe them {$1000.00}!! So I have paid them over {$600.00} and yet my balance right now is MORE than the amount I borrowed!? I have looked and looked in my online files and I can not find my interest rate or terms, which means I never received a truth in lending document at all. Something shady is going on for me to own them this much after I have already paid back this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions 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:
I need these accounts removed from my credit report there are two different collection agencies reporting on the same account XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the same accounts. 

XXXX XXXX XXXX : XXXX XXXX These accounts have been paid in full but are still reporting to XXXX XXXX and Experian

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 2023-05-16
Company: AR Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FAIR COLLECTIONS & OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX i want this collection off my credit it does not belong to me i dont owe fair collections any money, i want to see a contract, you cant provide a contract i want this deleted off all 3 credit reports if not i will sue XXXX XXXX and XXXX and fair collections this is a easy win. be smart delete it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
In XX/XX/2019 I deposited 2 checks and {$60.00} cash into an atm. One check for {$500.00} and the other for {$700.00}. The atm stated there was an error and couldnt deposit the checks but successfully deposited the cash. The atm did not return my checks so I went into the chase branch. The atm and branch are located in XXXX Ohio. The branch manager called to make a claim for me and I was told the cash would be cleared in 12 hrs. 17 hrs passed and the check wasnt cleared. I called back to chases claims department and they told me to wait 12 more hrs. 12 hrs later they told me to wait 1-2 business days. 2 business days later they told me I have to wait for 10 more days. I keep getting the run around and I feel like I should be Reimbursed for the time Im forced to spend without my money and all late fees I will occur after not being able to pay my bills, eat, or live in a comfortable state due to chase and their negligence. As of XX/XX/19 I have not received any of the money that would have cleared from my checks. Please contact me at XXXX or XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-31
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:
the following accounts ( student loans ) are not mine, these are not my accounts i have never inquired any student loans, i have been disputing these items but equifax has not been helpful, please find attached my police report which also has been provided to equifax few times, please have equifax remove these inaccurate student loans. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Account Name : XXXX XXXX XXXX Account Name : Tennessee Department of Human Services CS Account name : XXXX under these laws accounts must be removed 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
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: Information belongs to someone else

Complaint:
FCRA violations : not mine Also known as XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Innovis
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:
I have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, please block these items that do not belong to me, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After repeated times calling into XXXX to Permanently Remove my Credit Freeze I need the CFPB 's support and resources in removing the " freeze '' on my report. After the third call with " XXXX '' in the XXXX they still will not remove the credit freeze ; my daughter needs braces and we need credit.

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 2017-09-22
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've been trying to dispute this alleged collection debt of {$1200.00} that Diversified Consultants ( DC ) claim I owe. I sent DC my first certified letter dated XX/XX/2017, which requested them to remove this false debt or send proof that validates this debt with my signature, according to the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and my state laws. Valid evidence should contain my signature, agreeing that I ever had an obligation to pay them. If no such documents exist, all collection debts from Diversified Consultants should be ceased and removed from all my credit reports. DC replied with a letter dated XX/XX/2017, stating that they found the debt " valid. '' Their verification included a letter from XXXX, which included an itemized bill. I also noticed the address on XXXX bill doesnt belong to me. Theres also no signature agreeing that the debt should be paid to Diversified Consultants. DC 's evidence is invalid. I sent a second certified letter dated XX/XX/2017, which DC received on XX/XX/2017, according to the signed return receipt. I included in the letter that they failed to provide viable evidence, and I also state, " as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. '' For a second time I requested them to cease collections or send proper documents. I have not heard back from Diversified Consultants since, which show they lack the proper documents. However, they continue to falsely report this debt on all my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: Affirm Holdings, Inc
State: CT
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:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also permission to report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: FL
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 15 USC 1681. 

XXXX XXXXXXXX, XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: EQUIFAX, INC.
State: MD
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:
Have submitted numerous request via mail and through online portal regarding a collection account from XXXX XXXX XXXX XXXX, it shows no balance on the account and that the account is closed. When contacting the agency they state there is no record of this account. This account does not belong to me and needs to be removed, it does not show on any other report but with equifax. They never respond to my disputes which the last one was sent on XX/XX/18 & XX/XX/18 which a response was never received. Also included on that dispute was XXXX XXXX XXXX, and XXXX XXXX which they refuse to acknowledge my disputes. I have attached the dispute sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: BBVA FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On today, XX/XX/2020, at approximately XXXX, I tried to cash a check at a XXXX store in XXXX , MI. The check would not go through so they called the check cashing system and the check was denied due to being over limit-. 

I called the banking customer service number at XXXX, and let the representative know that I was at the check out and wanted to know if they could provide a authorization code for the check to be processed. She put me on hold and said she talked to a supervisor who told her to document the call. She never tried to find out if she could do an authorization. She never tried to help with answering the question, she just kept me on hold while she made notes in the system. I was not able to cash the check and was not told why by the representative and not offered any help in getting it cashed. 

On XX/XX/2020, I ordered a replacement debit card by rush overnight delivery. The card never came, so I called the bank again on XX/XX/2020, and spoke with XXXX, a supervisor, ID # XXXX, with their online banking department. I was told ( via a recorded call ) that the card would not be sent because when it was ordered the system chose my alternate mailing address which is a PO Box . I was told by XXXX that they can not send debit cards to PO boxes. XXXX told me that he would get in touch with the team that orders the replacement debit cards. He put me on hold and a few minutes later I was disconnected from the call. 

When I called right back, the toll-free number for the bank XXXX was transferred to a automated message for XXXX wireless instead of BBVA bank. They probably kept me on hold so they could block my number and have my calls sent to the automated message system at StraightTalk wireless. 

The issue with the debit card is relevant because without an active debit card on file I am not able to cash checks, change my phone number, update the address or do any other banking transactions. 

So for the bank not to get this resolved is highly irresponsible. They are doing everything possible to hinder me from accessing my account, making changes, or spending the money. I believe that there is a third party involved that may be linked to XXXX XXXX and/or the current Trump administration due to ongoing XXXX attacks I have been subjected to by the current POTUS administration. He is trying to score points with his XXXX base by harassing me. Not only have they been sending federal agents out to democratic cities across the nation, but they have been unlawfully monitoring my bank account, phone numbers and sent FBI to spy on me while I was in the hotel, use neighbors to spy and harass me electronically and they may have unlawfully put a tracking device on my vehicle so they can follow me throughout the city.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover closed my credit card account following a clear verification error. I was asked to submit a IRS Consent Form 4506-T, and additionally I voluntarily submitted the last three months of bank statements as supplementary materials to aid the verification. At no point was I told what Discover needed to verify. Given that I recently moved address, and that my income level changed this year owing to my wife getting her first job, I believe an error was made in the verification - neither of these pieces of information would have been reflected in my previous tax returns. After phoning Discover I was told that closing my account was a " business decision '' and no further actions could be taken - why can Discover not tell me what the verification issue was and provide me with an opportunity to provide the correct documentation? I have never missed a payment and until this incident had a very favorable opinion of Discover, but I can no longer recommend that others do business with a company that will just arbitrarily close your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 SunTrust Bank froze my account and put all of the money XXXX {$2100.00} XXXX into review. On the XXXX of the same month the money was removed from the account by SunTrust. We have called the bank trying to get information on what is happening, the most we have been told is that the funds in the account are in review and wont be returned to us and that they are awaiting a request from the issuing institutions to reclaim the money. They wont tell me witch institution it is or what caused the suspicion that started the review and keep telling us that we will get a letter in the mail explaining the reasons. All we have received from them is a letter telling the same non-answers we've been getting over the phone and check that we received today, XX/XX/2019 in the amount of {$1.00}. All of the funds in the account came from either an IRA account that I cashed out or from my contract work with XXXX. I have spoken with XXXX XXXX and they no information and XXXX is almost impossible to get anyone with any forum of information, regardless neither of them has any information for me. This was every penny I had to my name in this account, I am about to lose my car and am having a hard making regular bill payment as work has slacked off and I only make $ XXXX/hr. at my little XXXX XXXX and all of credit cards are now maxed out from my attempts to stay afloat.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Westlake Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As of XX/XX/2019 Bank of America has not sent me any information in the mail at replied to CFPB. I have requested that they validate the account and provide the contract where I opened an account with BofA requesting a credit card. I am a victim of identity theft and I have notified them and the CRA of this and they are to free me of any debt owed. 

The account must be closed, remove any unauthorized charges and take any steps to remove from my credit file. 

BofA reply to you was that they can't and DOES NOT know who is reporting the information so how are they verifying. I have attached a follow up letter to them and is demanding they remove this identity theft account from all 3 CRA 's

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 2021-03-28
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:
It has been more than 60 days with no response from the bureaus. The law is being disregarded by all three bureaus by not responding in the appointed time, hopefully this will be the last time that the bureaus are allowed to disregard the law. Please remove all accounts listed as stated by law.

Company response to consumer: Closed with explanation