BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: FC HoldCo LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It has come to my attention the Retail Installment Agreement that I was given from XXXX  XXXX have violated me a few ways on XXXX XXXX. I have been reading the Truth and Lending Act and it states the finance charges which is sum of all charges which is the {$52000.00} I was giving the impression that I had to pay a down payment of {$6000.00} in order to drive off the lot from the saleswoman XXXX XXXX, which states in 15 usc1605 that a I'm not supposed to provide cash and credit in the same transaction. Per my contract as the debtor I'm now asserting my rights. 16CFR 433.2 I was given a false deceptive from that I wasn't able to rescind my contract when in fact its states ANY HOLDER OF THIS CONSUMER CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. I was not given proper disclosures as to all insurance options available at the time of purchase. As per 15 USC 1632 ( a ) I'm aware that a finance charge shall be disclosed more conspicuously than other terms data or information provided in connection with a transaction, except information relating to the identity of the creditor should not vary from the actual finance charge by more than {$100.00}. I wasn't given my instrument when I left the auto dealer. My personal information was sold to Flagship Acceptance now my privacy has been exposed to financial institution that is sending statements to me asking for money, the law says I did consumer credit transaction with XXXX XXXXXXXX pursuant 16CFR 433.1 and I didnt purchase money loan because my account number/ credit card was given and I down payment {$6000.00}. This account is paid and in full. i want to exercise my right to a rescission. I want to revoke my credit transaction and revoke the security interest and the revoke the dealership. I wrote Flagship and they told me to go back to XXXX XXXX. I want to revoke the security interest, dealership, the transaction with the finance company as per 12 CFR 226.23

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 2023-10-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 with account # XXXX opened on XX/XX/XXXX and a balance of {$350.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$11000.00}. 
XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
Collection account from XXXX  with account # XXXX and a balance of {$3800.00}. The original creditor is XXXX XXXX. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$170.00}. 
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
XXXX Line of credit with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX with account # XXXX and a balance of {$650.00}. The original creditor is XXXX XXXX Collection account from XXXX with account # XXXX and a balance of {$1700.00}. The original creditor is XXXX XXXX. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$310.00}. 
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 
Collection account from XXXX XXXX XXXX XXXX  with account # XXXX and a balance of {$890.00}. The original creditor is XXXXXXXX XXXX XXXX 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
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:
On XX/XX/2019 I disputed a collections on my credit report online to XXXX, XXXX XXXX, and XXXX  with Portfolio Recovery Associates, LLC listed in the amount of $XXXX. On XX/XX/2019 the dispute was returned without change from the XXXX, XXXX, and XXXX XXXX. On XX/XX/2019 I contacted Portfolio Recovery Associates, LLC directly requesting a dispute and further information to verify this account. On XX/XX/2019 I received a letter from Portfolio Recovery Associates with an invoice attached from XXXX XXXX XXXX (XXXX) XXXX. I have no records matching this account. On XX/XX/2019 I telephoned Portfolio Recovery, Associates, LLC and spoke to "XXXX XXXX." I requested further information such as signatures, dates, purchase dates, etc. She declined this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I checked my credit report and i saw unauthorized credit check inquiries that i have not given consent to. I am demanding that these inquiries be removed within 4 days because they are fraudulent. I am trying t establish relationships with banks but continue to be declined because of these items on m report. I have attached the fraudulent items to my letter and notified the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI INC has place derogatory information on my consumer credit report harming my reputation. I DO NOT HAVE AN AGREEMENT WITH AFNI INC, AFNI INC WAS NOT AND NEVER WAS PARTY TO ANY AGREEMENT ON BEHALF OF OR BETWEEN ME THE NATURAL PERSON AND ANY OTHER PERSON., I never gave them permissible purpose pursuant to 15 USC 1681b ( 2 ) to furnish any information on my credit report, nor was I notified about this alleged debt. AFNI INC, is in violation of the FDCPA and my consumer right to privacy. This is active identity theft. No written notice was received within five days of the initial communication as the first communication received from this debt collector was on my consumer report. Therefore this debt is unverified, does not follow the requirements and is a violation of 15 USC 1692g. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt pursuant to 15 USC 1692e. AFNI INC furnished derogatory information on my consumer report creating a false belief that I am contracted with the and owe a debt. Pursuant to 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. In accordance with 28 U.S. Code 3002 ( 1 ) ( B ) AFNI INC. is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 USC 8 on behalf of the United States and otherwise would have no rights to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the second fraudulent notice I've received from a company regarding an alleged outstanding amount due on an old XXXX internet account. 

When the first debt collection agency sent me debt notices ( a year ago ) I called and spoke to them, explaining that the account balance on that ( closed ) XXXX account was ( and still is ) {$0.00} and that there was nothing to collect. They did not contact me again. 

Now this is a new company claiming the same amount on the same XXXX account ( the balance due on which is still {$0.00} ), and rather than go through all this again in another year 's time I would like this to simply stop. 

Can you help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is the 3rd time I'm making an official complaint. I do hope that this is the last time I have to do this. Here is the timeline. On XX/XX/XXXX, I received an email from Fedloan stating that a new loan had been disbursed. This is odd because I've not taken out a student loan since XXXX and hadn't been enrolled in a college since XXXX. I contacted FedLoan and the school in question ( which I am not enrolled in ) and neither party could provide any specific information. I have since contacted FedLoan, the Ombudsman, and the CFPD multiple times seeking to find any information regarding a fraudulent loan placed into my credit history and have not received any documentation or reasoning. I have received a way to discharge the loan, however this does not inform me if my personal credit has been compromised, which has been one of my main issues. I'm tired of getting the run-around and do not have time to continue to get answers. I am truly fed up with this situation and am just seeking answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
At the time Equifax was hacked, they allowed my personal information to be taken. I have put a 90 day watch on my accounts with all three credit reporting agencies. I now have to monitor my credit reports on a weekly basis. I have been in contact with Equifax and I have a conformation number. I now have to sit back and wait to see what happens. It 's now going to be a pain just to open a new credit card or anything else. I 'm sure its just a matter of time before my accounts start getting hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I stopped using one of my XXXX account in 2020 and did not think to deactivate it, but just recently I went back on that account to check some orders and I noticed that there was a strange expired bank credit card HSBC Revolution Visa Platinum Credit Card under my name and address that I never made. I tried calling the bank but no one answered so will try again tomorrow. I went back to XXXX account and tried looking for more details to find who has been using it and discovered a name and address. This person ordered some stuff in 2020 and had been deleting his order history so it took me a while to find his info. I managed to find a invoice with his name : XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, NC XXXX United States XXXX I do not know if he is still located at the address since the last item was ordered in XX/XX/2020. I do not know if he still has the credit card that has my name on it so I want to report everything before he uses my information for anything else. I reported this to XXXX today and they are currently in the process of looking into it because I have been charged for XXXX prime for almost a year since this occurrence. I have another XXXX XXXX account that I have been using so I did not think to check that I have been being charged for two XXXX XXXX membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, 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:
I, XXXX XXXX , am submitting this complaint by myself and there is no third party involved. 
I, XXXX XXXX , natural person, consumer, alleged obligor, and original creditor of an open-end credit plan extended via my credit card for a consumer credit transaction to XXXX XXXX XXXX on my behalf via a deceptive form that converted my interest a consumer and creditor unlawfully as borrower. I am the card issuer and cardholder for the accounts payable issued via consumer application as valuable accounts receivable. I granted the security interest to as debtor for the consumer credit transaction. XXXX usurped my credit and proceeds via account receivable secured credit application. I was coerced in completing a promissory note in the refusal of my endorsement by closing agent of the promissory note compelled for a blank endorsement as an illegal restraint. I issued a security despite being original secured creditor to consumer credit transaction. Despite misrepresentation of consumer credit transaction, XXXX has been advised to comply with my right of 12 CFR 1016 privacy and confidentiality and to cease the role of consumer reporting agency and communication with third persons, XXXX, XXXX, XXXX, Equifax etc. viz. consumer reporting agencies. XXXX has disregarded my revocation of right to report and continues to violate my right of privacy. XXXX has noticed of this billing error and has not responded. See FTC report attached regarding 15 USC 1679b ( a ) prohibited practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing to dispute a fraudulent charge on my account of {$16000.00}, {$350.00}, {$16000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$350.00} -This is not my account. 




XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

XXXX. XXXX XXXX LEASING with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove the following account XXXX XXXX XXXXXXXX account number : XXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and 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 2021-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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: Problem with personal statement of dispute

Complaint:
To whom it may concern : I had a Bank of America credit card since XXXX- with on time payment history for over 14 years. Last year in XXXX - I was visiting XXXX in XX/XX/XXXX when I contracted XXXX-XXXX and due to complications I was admitted to a hospital on XX/XX/XXXX and put on a XXXX on XX/XX/XXXX. I almost died and I was on the XXXX in a XXXX until XX/XX/XXXX and then in an almost vegetative state until XX/XX/XXXX when I was finally discharged from the hospital. Due to this, I missed the 2 credit card payments that were due in XX/XX/XXXX and XX/XX/XXXX. 

Once I was discharged from the hospital- I started making the payments and once I paid the credit card in full - Bank of America closed the credit card account. 

I contacted Bank of America to request them to delete the late payments on my credit report but they refused. I am requesting you to please consider my request- I was not at fault- I have an excellent payment history - I almost died and as soon as I got out of the hospital I paid my debts in full. 

Can you please request Bank of America to delete the late payments on my credit report. 

I am more than happy to provide all the proof of my hospitalization as needed. 

Thank you, 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 2017-12-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I went to an ATM and tried to withdraw funds from my checking account. My account was debited {$400.00}, but the cash was not dispensed from the ATM. I contacted USAA the same day to initiate a ATM dispute. They advised me that it takes five to eight business days before the claim is picked up by a technician. It is the holidays and I asked if it could be escalated, which I was advised that they would put a note on the dispute. We are now on the ninth business day and no one is able to provide me any type of update in regards to my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: ALLY FINANCIAL INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Auto company stole my property that has nothing to do with the alleged debt collection. They gave out my personal information to 2 third party who then trespassed on my private property. This is a clear violation of federal law

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 2021-11-17
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX

Company response to consumer: Closed with explanation