BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-20
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I made a complaint before and I was told it was resolved and all holds were taken off of my account. Yet, I have not been able to use a card till this day. I will need a new card and for it to be unlocked. This problem has been going on since XXXX and now its becoming more urgent to get it unlocked. I have done countless efforts to get my account unlocked.

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 2018-03-29
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Been getting more calls and letters from Credit card companies and/or their lawyer that I never had credit with clamming that I owe them {$3000.00} to {$7000.00} for monies transfered to a discover bank account that I do not have,,,,, This XXXX have been going on for over 6 yeas now!!!! When I called Discover they would just say computer error or hacker " we take care of ''. They have total recked my credit. I can not refinance my home, MY home owners insurance and car insurance is higher, They have coat me over {$50000.00} not counting the money they had transfered to their fake accounts!!!!! 
iI never had a XXXX or a XXXX XXXX  or more then 6 other that Discover Bank took money from!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: NE
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 initially borrowed {$22.00} in federal loans, from XXXX to XXXX. I successfully graduated in XXXX and the federal student loan program states i owe {$37.00}. In XXXX I began receiving mail from a company called XXXX, who states they brought my federal student loans. To date my credit reports show I owe {$78.00} in student loans. Two local banks and two mortgage companies have also confirmed these dollar amounts are duplicated all over my credit reports. In other words The federal student loan program tells me i owe them the {$37.00} dollar amount, while XXXX states I owe them these same monies. How in the world can I owe both of them. I have reached out on numerous occasions to both parties with no avail. I never signed anything with this company called XXXX and they have yet to show me proof in writing that they are the true holders of such loans. I have 34 marks on my credit report all from this company called XXXX. This false reporting is causing significant damage to my credit reports and me personally. I am fully aware the XXXX XXXX XXXX XXXX is never updated the way its suppose to be, and this issue is intolerable. I can not get either party to listen to me or fix this horrible problem I am living with. Anyone with a six grade education can view my credit reports and see these money amounts are duplicated, however no one will make any effort to correct this false reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX, my XXXX check was deposited into XXXX XXXX and I was not aware that a Writ of Execution was presented against my checking account the same day. 
On XX/XX/XXXX, I notified XXXX XXXX XXXX, XXXX. that represent or the owner for XXXX XXXX XXXX XXXX XXXX that my monies are exempted ( XXXX benefits ), didnt received no information about a Writ of Execution ( XX/XX/XXXX for {$2500.00} ) or any bills due, statute of limitations have passed, bankruptcy was filed recently and violations of state and federal laws. 
On XX/XX/XXXX, I find out from Justice Court ( Received copies for Case No. XXXX - filed on XX/XX/XXXX -- closed on XX/XX/XXXX -No summons or complaint were issued ) that these are medical bills from XX/XX/XXXX in the amount of {$1000.00} that are not mine. Still today can not get my money out of my checking account due to violations from XXXX XXXX XXXX and 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 2019-08-22
Company: KLS Financial Services, Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company KLS FINANCIAL SERVICES which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

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 2019-02-27
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
This is not my debt, and I never owed this money. I have been trying to get this account off my credit report for years. 

On XX/XX/2018 I received a response from XXXX XXXX ( XXXX XXXX XXXX ) stating they were removing this account from my credit reports and it could take up to 60 days to reflect. This account is still showing on my Experian report 6 months later. 

I want this removed from my Experian 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 non-monetary relief
Consumer complaint received 2021-02-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Haven't responded to my letter requesting Verification. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Pennsylvania State Statues for Lawful Purposes. 
3. A copy of the contract signed by both parties and therefore binding both parties. 
4 .Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 
5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this 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 explanation
Consumer complaint received 2019-08-22
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid for a repossession fee back in XX/XX/2018. The amount was {$750.00}. 

Immediately after, I was billed for a 2nd repossession fee in the same amount of {$750.00}. This has been on my credit report for 18 months now. 

I have reached out multiple times to the company to resolve the issue. They have already admitted fault, but still refuse to remove the additional fee. They tell me to call another department who was unable to remove it from my account. The latest communication was XX/XX/XXXX where they said they would adjust {$700.00} off my account, which means they are keeping an extra {$48.00} for no reason. 

I am unable to trade in the car or pay off the loan without paying that {$750.00} fee. I am stuck with the car, which I have been planning on trading in for months. I have filed multiple complaints with their customer service department since last XX/XX/XXXX, and nothing has been done. My credit is being affected as well as the freedom to do what I want with the car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
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:
Wakefield associates is claiming i owe them. This information is either an error or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Telerecovery Corporation
State: SC
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 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 2018-07-11
Company: EQUIFAX, INC.
State: NY
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:
Several years ago, my information was stolen and a loan was placed in my name through XXXX XXXX. However, XXXX XXXX ( XXXX ) is still on my Equifax credit line. In addition, because of this identity theft that took place, I can no longer be accepted for a personal loan via XXXX. I am writing to say that : 1. XXXX needs to erase the false information from my Equifax credit bureau history. 

2. I strongly believe that I did not get accepted for a personal loan this time around because of the past stolen identity that took over my personal & sensitive information. However, I appeal this decision. Instead, XXXX  should re-consider the loan denial and give me an actual chance of paying them back. This is NOT fair to customers at all and I will be sure to spread the word to prospective customers about the injustice I have faced through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: GreenSky, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
GreenSky, a payment collections company, are trying to swindle $ XXXX out of me by means of XXXX XXXX XXXX XXXX XXXX a company I only received 4 laser hair treatments from, that I signed up for during their half off sale. I should have only paid {$200.00} all together, but GreenSky continues to harass me with bills. In total, they would be taking {$3500.00} from me for 4 half off laser hair treatments. I filed a dispute with GreenSky the first week of XXXX yet no one has got back to me. I also complained to the Director of XXXX XXXX and she told me she had nothing to do with GreenSky. I have complained to both XXXX and GreenSky that I became XXXX and was no longer able to come to treatments, and also, that they did not work. I have been battling both these companies for almost a year and a half. I paid what I owed, which was {$200.00} but they kept charging me {$75.00} per month so I have altogether paid GreenSky {$1000.00} and they are trying to collect {$1900.00}. I live off a XXXX check but all they want is money. Both XXXX and GreenSky are thieves. Even the director of   XXXX " didn't understand '' why my balance was so outrageous but told me she is hands off when it comes to GreenSky, the company that takes XXXX 's payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Lending Club Corp
State: NY
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:
Several years ago, my information was stolen and a loan was placed in my name through Lending Club. However, Lending Club ( LC ) is still on my XXXX credit line. In addition, because of this identity theft that took place, I can no longer be accepted for a personal loan via LC. I am writing to say that : 1. LC needs to erase the false information from my XXXX  credit bureau history. 

2. I strongly believe that I did not get accepted for a personal loan this time around because of the past stolen identity that took over my personal & sensitive information. However, I appeal this decision. Instead, LC should re-consider the loan denial and give me an actual chance of paying them back. This is NOT fair to customers at all and I will be sure to spread the word to prospective customers about the injustice I have faced through Lending Cub.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions 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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : 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 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : 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 2021-01-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI
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 see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-10-04
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: Account information incorrect

Complaint:
Recently, i did an investigation on my credit report which caused XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation