BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-16
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern, Im writing this letter to dispute the following accounts : ACCOUNT NUMBER : XXXX Reference ID : XXXX THIS IS XXXX XXXX XXXX!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY at all. this is all me so please don't play games. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report asap. My information was obtained without permissible purpose because I never gave your company written consent to accept information from any creditor, or report information about me to the credit Bureaus but you still accepted my information and reported it to the public. 15 USC 1681a ( 3 ) defines Identity Theft as a fraud committed using the information of another person.Your company is now XXXX and civilly liable of identity theft and I plan to file litigation in this matter. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. I included a Invoice with this letter. Just so you know, there is a {$500.00} late fee for everyday that you are late from this date. 
Failure to respond satisfactorily with deletion of the above referenced account and Compensation in the form of a check will result in the above actions being taken against your company ; I will also be seeking litigation and {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g 4. ) Violations of 15 USC 1681a ( 3 ) 5. ) Violations of 15 USC 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America Unauthorized Debit XXXX from my account on XX/XX/2020 sating that my sons ( XXXX years Old ) account had negative balance dispute was not resolved on XX/XX/2020 and they withdraw from my account without my consent and overall i am not obligated to pay for that amount some one in Bank of America did the the fraudulent transaction on my sons card and that is not our fault mostly nothing to do with me even as per law any responsible party should be obligated for only 5 % of disputed actual amount please help me to resolve this issue we are going through so much hardship due to COVID 19 and upon this kind of issues will harm my family financial situation Reference bank transaction is below is below XX/XX/2020 Show additional information for activity type debit XXXXRECOVERY FOR FORCED CLOSED ACCOUNT XXXX  XXXX  XXXX XXXX activity type debit status type icon cleared Cleared. Select to mark activity type debit XXXX RECOVERY FOR FORCED CLOSED ACCOUNT XXXX XXXX XXXX XXXX as Reconciled XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018 XX/XX/2018 XX/XX/2018 {$990.00} each I believe my info was sold to Ars which I believe is a violation of my Hippa rights. I would like for those accounts be closed and removed off my credit file. Ive filed a report to XXXX, XXXX  and XXXX and nothing was resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/2021 a dispute about three different collection agencies balances was submitted. Those balance for those accounts haven't changed even though I've paid them. The balances also has changed with Experian, but it has with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
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: 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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit 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  Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2020, {$1400.00} XX/XX/2020, {$1400.00} XX/XX/2020, {$1400.00} and XX/XX/2020, {$1400.00} I Transfered the stated amount in four different occasions via XXXX. when I discovered its a fraud, I called my bank to retrieve my money from the recipients but they told me that because the money has posted that they can not retrieve it and that I should call the recipients to send the money back to me which I did but the recipients refused and did not want to answer my calls till date.

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 2018-07-17
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I scheduled a payment of {$1600.00} to be delivered on XX/XX/2018, however, it has not been received by the apartment office up to now. All information I entered including the address is correct. As a result, I was billed a late fee of 5 % of the payment. I contacted Ally bank on XX/XX/XXXX since they should honor the " DELIVERY DATE '' selected on their website and reimburse the late fee due to their service failure, however, it was denied.

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 2018-09-18
Company: EQUIFAX, INC.
State: UT
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:
Equifax incorrectly listed my paid off XXXX XXXX XXXX loan as an account that was closed. This caused my credit score to decrease. Also, XXXX went bankrupt but my account is noted as " closed by creditor '' which caused my score to drop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Greetings, My name is XXXX XXXX XXXX. I am a USA citizen, who operates a day care center on New York City. I have been open since the pandemic started working and saving during this pandemics hard times. On XX/XX/2022 I was charged {$30000.00} dollars via a XXXX transfer from a unknown merchant. I am lost in words and destroyed inside my savings and money to be a home owner is gone. I have filed a dispute with the Wells Fargo bank XX/XX/XXXX, XXXXthe claim number given is # XXXX I also want the help of the CFPB to assist my claim and help me recover the funds that was unauthorized from my account. I have never gave or allowed merchant to charge my account. I work hard everyday to help kids and parents during this pandemic .Then a merchant steals {$30000.00} dollars from my checking account. I want and need this money back in my account as it was indeed unauthorized. I cant run my business without it. This pandemic has increased percentage of fraud and I was a victim. I ask for help recovering my money I believe in America and in our constitution.Wells Fargo never contacted me or alerted me about such XXXX transfers without my consent money was withdrawn. Merchant has stolen money without any service or authorization.There are multiple charges by this merchant I dont recognize. I spoke with XXXX XXXX he told me it was done via Wells Fargo app. They should know how to track data and see I didnt initiate such transfer. If it was down through my mobile banking then why not send me a text notification or call. When I send money via XXXX I get a text notification and email. With XXXX they never notify and let a merchant steal my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: T.S. Holdings
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2020, I entered into an agreement with my apartment management, XXXX, to defer partial rent. I requested to be let out of my lease early multiple times ( 60 days early, 45 days early ) any time that would save me money and avoid being in debt. They continuously refused but set up a seperate payment plan for me to pay over the course of the summer. 

My lease ended on XX/XX/XXXX. Within 1 week of vacating my unit on XX/XX/XXXX, I was turned into IQ Data International, Inc for collections of debt owed in the amount of {$4600.00}. Not only was this a violation of our agreement, but this amount was incorrect. The amount owed was {$2800.00}. I contacted IQ Data and the property management immediately to discuss the charges and get them corrected. 

For almost month, I emailed the property management with little to no response. Finally the property manager acknowledged the mistake and sent a new ledger to IQ Data. This ledger continued to be incorrect. Having to fight for the right amount to be reported to the collections agency basically blew through any grace period that I had. According to IQ Data, I had a 45 day grace period which ended on XX/XX/XXXX, which means that they turned my balance into collections the day after I vacated the property. No final bill was sent my forwarding address. No attempt by management was made to collect debt. It was literally turned into collections the day after my lease ended. I attempted to get the correct amount updated upon receiving my first collections letter. 

I emailed and called both parties to correct the amount. I copied the property manager, the regional manager, the Vice President and the dispute team. None of which replied. On the last day of my grace period, I had to physically show up at my former property manager 's  office and make her correct the mistake as she would not acknowledge any of my electronic communication. This is a pattern from this management company and I know of at least one other tenant in the same position. 

Mind you, we are in the middle of a pandemic. I work in the XXXX XXXX   XXXX XXXX in XXXX, SC which is heavily dependant on tourism. Our business took an epic hit and I am lucky to be employed at all. I am trying diligently to stay on top of finances but with horrible business practices such as XXXX, it is nearly impossible for someone like me to come out on top. This was a very disappointing turn of events in a already troublesome year. 

I paid this property over $ XXXX in an 18 month period. My apartment was well above market value and I was NEVER late until COVID. Even when COVID happened I tried to negotiate to avoid being in this situation that I now find myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The local bank, BB & T took it upon themselves to transfer ( debit ) XXXX from a joint account used for paying bills to a personal account in order to pay themselves fees. 
My personal account has been in the negative due to a deceptive order of putting two checks ahead of debit card purchases. The funds were in my account at the time I made the debit card purchases, yet the bank did not post them in real time. Instead they posted two previously returned checks first days after the debit purchases, then the debit card purchases. This manipulation caused my account to incur fees that were well over the amount of each debit card purchase and the sole reason I had opted out of overdraft for my bank card. Simply put, the funds were in my account and held by the merchant at the time of purchase. This hold shouldve automatically become a charge at the close of the business day and posted by back office by midnight. Instead, back office rearranged the order making it look like there was no money at the time of purchases and hitting me hard with NSF fees. 
If I didnt have the money at the time of the debit purchases and I specifically opted out of OD for my debit card, how was I then able to make the purchases in the first place? 
I understand having to pay NSF fees for returned checks, but this deceptive practice on the part of the banks to get as many fees as possible should not be allowed. 
At the time of opening my accounts it was never told to me that along with fees the bank will also charge XXXX a day for being negative. I found my personal account hundreds of dollars negative in a short amount of time and tried to resolve it in branch unsuccessfully. 
Yesterday my account was now XXXX negative, the bulk of which was fees and the bank took it upon themselves to go into an *unattached* joint account, with NO PRIOR WARNING VERBAL OR WRITTEN, and steal XXXX which means bills I paid WILL BE RETURNED AND I WILL INCUR MORE FEES!!! 
I called customer service and spoke to XXXX who DID NOT WANT TO HELP. Transferred me to the OD department WHO WAS CLOSED!! 
My next complaint filings will be with the Comptroller and Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Paypal recently placed on freeze on my account. They asked for additional information twice but still refuses to unfreeze the account. I've decided not to use their service but now they wont allow the account to be closed. There asking for so much information that i believe will compromise my identity which has already been stolen multiple times. The account has a zero balance. I've tried to close the account on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX - I disputed these accounts with the all 3 credit bureaus and the creditor XX/XX/XXXX - I disputed contacted all 3 credit bureaus and the creditor XX/XX/XXXX - I contacted the creditor to dispute

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 2018-01-17
Company: Transfinancial Companies, Inc
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
my medical information was given to a third party without HIPPA released forms without my consent. I have requested that the above be moved off of all of the three major credit bureaus.

however two of the major credit bureaus refuse to take them off. ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. 

I am attaching XXXX XXXX TRANSUNION XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? 

The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My dipsutes have never been frivilous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

For example, TransUnion is reporting XXXX XXXX that states there 's a monthly payment of {$490.00} on a CHARGED-OFF ACCOUNT. Not once did they send verification of the balance over when I notified them that it 's incorrect. 

for XXXX, they are reporting a monthly payment of {$25.00} on XXXX XXXX XXXX. Once again, this is a CHARGED-OFF ACCOUNT. 

for XXXX, they are reporting ( all 3 bureaus ) XXXX XXXX XXXX which was never verified as mine. They can not report information that is not verified as per the FCRA and section 609 protects me against false reporting so where 's the proof? I disputed directly with that company and my mail was returned undeliverable so exactly how are they verifying this with a company that does n't have a valid address? 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. 

I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX TRANSUNION 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 2022-04-25
Company: General Motors Financial Company, Inc.
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: Information belongs to someone else

Complaint:
On XX/XX/2022, I logged into my closed XXXX XXXX credit card account. I checked my credit score and noticed that a fraudulent auto loan was on my XXXX credit report from GM Financial. I then contacted XXXX to report the fraudulent loan, then contacted GM Financial to report the fraudulent loan. 

On XX/XX/2022, I receive a letter from XXXX stating that the investigation results are " verified as accurate and updated. '' On XX/XX/XXXX, I filed a dispute with XXXX regarding the results received from XX/XX/2022 letter mentioned in above paragraph. 

On XX/XX/XXXX, I mailed a letter to GM Financial 's Credit Fraud Department, requesting that they remove this loan from my name and absolve me of any responsibility for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX - i disputed the info with the credit bureau and creditor XX/XX/XXXX - i disputed the info with the credit bureau and creditor XX/XX/XXXX - i disputed the info with the credit bureau and creditor

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: ALLY FINANCIAL INC.
State: NJ
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:
Ally Financial Bank sold my account with all my personal and confidential information to a collection agency..

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