BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-11
Company: Accelerated Financial Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX repeatedly debited the wrong bank account even after I updated my account with a new bank account, and despite my autopay, they never informed mevia email or writingthat the payment was not going through. They reported my account as " delinquent '' without informing me of the problem and refused to update my credit 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 2020-05-10
Company: Experian Information Solutions Inc.
State: VA
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:
XX/XX/XXXX XXXX went into my account and fraudulently changed my positive account to negative.

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 2021-07-11
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Had lease with XXXX XXXX and was one payment behind. Car repossessed with substantial amout of personal belongings left in vehicle. XXXX advised me numerous times, the repo company had not reported it repossessed. I tracked vehicle via XXXX  being driven around XXXX XXXX area. After almost one year, XXXX has not sent one notice regarding repossession, intent to resale, balance owed or inventory of personal belongings. When I call the repossession number I am always asked for contact info for supervisor to return my call however, I have heard from no one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Riverwalk Financial Corporation
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
During my enrollment at XXXX XXXX, I was informed by the school financial consultant and admissions counselors that my tuition would be covered under my federal and private student loans. Prior to dropping out, I began making payments on my student loans. Afterwards, I was under the impression that any sum or money owed to the school was covered under my loans, and I continue paying them on a monthly basis. Currently, I'm still paying off my federal and private student loans. Earlier this month ( XXXX ) I checked my credit reporting account and noticed that a sum of around {$2500.00} was sent to collections ( XXXX XXXX XXXX ) from the school back in XX/XX/2017. When the sum was transferred to the debt collector, I was not notified in any way that I owed this debt or that it was transferred at all. I have formally filed a dispute with 2 credit reporting agencies and I have also filed a borrower defense discharge application with the Department of Education. After the disputes were filed, I have finally received a notice about the debt today, XX/XX/XXXX, demanding the amount in full or to sign up for a 12 month payment plan. I find it very unprofessional that the school openly lied to me about their financial practices and that the debt collector didn't inform me until 6 months after the debt was transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, INC.
State: AL
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Diverse Funding Associates LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2018-05-24
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:
I have contacted Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and yet and still they still continue to report inaccurate information onto my credit file. XXXX WITH ACCOUNT # XXXX IN THE AMOUNT OF XXXX IS REPORTING ON MY CREDIT FILE. FIRST OFF this is not my account and Equifax continue to ignore my request and my proof that it's not mine to remove it. I am a victim of identity theft and they continue to report accounts that were open due to identity theft onto my file. XXXX XXXX in the amount of XXXX that is a medical bill is not mine as well as another XXXX XXXX in the amount of XXXX does not belong to me either. Im fed up with Equifax due to the fact that these companies can't verify the information with me so how in the heck are they verifying it with you. nI even have a letter from XXXX stating that they have been informed to remove this account from my credit file. Yet it still remains..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was charged off which means that they have reported this to the IRS and gotten a tax write off for it therefore it is no longer owed. This needs to be deleted from my credit. There are 2 accounts {$5700.00} and {$1600.00} showing on my credit that need to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
I purchased a money order from XXXX on XX/XX/XXXX, 1 for {$650.00} and another for XXXX. I decided to not use the money orders and wanted the cash back I asked XXXX could I return them and was told I can't return them, I contacted a check cashing place and asked could I cash them there and I was told no, I have to deposit them in my account. I deposited the money orders in my account on XX/XX/XXXX. Bank of America claims that they couldn't read the {$650.00} money order and that XXXX XXXX wouldn't release the funds on the money order so they are returning it to me and recommended that I get it reissued from XXXX. XXXX said they can't reissue it. The XXXX money order they are holding until XX/XX/XXXX and could possibly decide to return that as well. If you can't get the funds from XXXX XXXX for XXXX how can you get the funds for the XXXX money order. It is just a lie, I contacted XXXX XXXX and they said that they have the funds and it is available to release to the bank. However they can't wire transfer it me directly. They wire money all over the world but can't send me my money. I paid cash for the money orders and I have my receipt. XXXX XXXXXXXX said they could cancel the money orders and charge me a fee, another fee to reissue a check, and another fee to mail it to me or overnight it. I told Bank of America I better not charge me any fees because of this. I wake up this morning to a returned item fee, I called them and demanded a refund, the rep I spoke to asked me, " Are you experiencing a life change that would prevent the funds from being available. '' what in the world does that have to do with my fee? She ultimately said she couldn't return the fee. What happened to customer service and helping the customer? XXXX XXXX asks me did I white out, scratch or damaged the information on the money order, I said absolutely not. So now I am being accused of fraud and manipulation. How can this be possible? How did I become the criminal here, if anything I am the victim of lies and being mistreated as a paying customer by using all of these businesses for a service. This situation is a complete nightmare. I have been nothing but stressed out mentally, physically and financially from this ordeal and I see no sign of a resolution from any of these companies. I can't just take a XXXX loss.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-11
Company: Financial Data Systems
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I got a letter from an attorney 's office, stating that my Bank of America credit card had been charged off and they were taking it over. I called Bank of America to ask about why the card had been charged off since I hadn't gotten a bill, notice, or statement in quite a while. Bank of America told me that I had a " cease and desist '' placed on my account, which prohibited them from sending anything to me. To be crystal clear, I never asked for, authorized, or approved a cease and desist to be placed on my account. I opened a dispute with the credit bureaus, and Bank of America did nothing to change the status or work with me to try and fix this issue. Had the cease and desist never been placed on my account, I would have received bills, statements, and notices ; then I never would have gotten this far behind in payment. But the cease and desist put my account in very bad standing, thus affecting both my credit history and derogatory remarks, among other aspects of my report. Bank of America was unwilling to resolve this when I called as well, and the woman I spoke to saw nothing in the notes stating that a cease and desist was requested by me ( since it wasn't ). I have written to the attorney 's office that Bank of America charged my account off to, and have not heard a response from them either. Further, I have opened a complaint with the Better Business Bureau ; they have opened the complaint with Bank of America, but Bank of America has not responded to them about this either. Bank of America is clearly dodging the subject and trying to show me as solely responsible, but again, I did NOT request, authorize, or approve a cease and desist being placed on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed PORTFOLIO RECOVERY ACC # XXXX last XX/XX/2018 through the credit bureaus and by sending Portfolio Recovery a validation request. More than 30 days have past and still, nothing happened. Did not receive any proper validation documents from Portfilio recovery. Moreover, upon checking my credit report, I found evidence of this companies violations which I elaborately explained on a separate document attached to this compalint. Violation such as missing/inaccurate informatio, misleading/incorrect creditor type etch. All of which violated both FCRA and FDCPA. This is the last I am giving you. I will not hesitate to bring to to court if nothing still happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
It seems that they obtained my personal information and they are making inquiries in my credit and they opened a credit card account that is not mine of bank of america I put a blockade of the credit but it stops that it did not work.

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 2018-06-16
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: Their investigation did not fix an error on your report

Complaint:
On my last correspondence to you last XX/XX/2018 I disputed several items which are incorrect, inaccurate and violating FCRA. After more than 30 days, I do not believe that proper investigation took place as there are several violations visible of how the items where reported. Information showing the account was re-aged and missing information from the report. I disputed XXXX ref # XXXX, XXXX XXXX ref # XXXX, PORTFOLIO RECOVERY ACC # XXXX and XXXX XXXX   XXXX/XXXX ACC # XXXX. All these account shows violation of FCRA. Some reports incorrect late payments, some have missing/incomplete information, others are re-aged and reporting misleading information such as creditor type and so on. This is my last resort before taking legal action. So I am giving you another 30 days to remove these items from my credit report. Attached with this complaint is a copy of the letter sent to you last XX/XX/XXXX and some info I found on my credit report that proves the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Home Loan Center, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2018 At around XXXX XXXX I opened an email from XXXX XXXX, and I opened the email and it said that it was a no obligation to get a response and nothing would effect my credit score or rating, however I found out later in the day They did ding my credit score. My credit score is Poor already and I am trying to refinance the house I and my children are in and now my scores are affected and lower then before.

I am waiting for XXXX XXXX and XXXX XXXX and going through the courts for this, I wanted to get a quote on what the payments would be reduced to, however found that there were no savings to be had after taxes, principle and interest where added.

So, I am very concerned and want my scores put back to normal XXXX XXXX has no right to take advantage by claiming these things. I am used to having my husband do these thypes of things and feel taken advantage of, and lied to. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: OneMain Finance Corporation
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Items in the report violation section 611 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, I purchased two {$500.00} visa gift card from XXXX, and give them to my husband. On XX/XX/XXXX, when he tried to use one of the card, he found that was no enough banlance, and when he checked it online, found there is only {$4.00} in the card. We called the gift card customer service, they asked us to submit a dispute form. We did that, after a few days, they sent us a replaced card, there is still only {$4.00} in the card. They also closed the old gift card at once, when I tried to check the status of the old card, the page shows error. 
On XX/XX/XXXX, still no update. We called the gift card customer service again, they said they closed our case because they sent us a mail and need more document but we didnt give, but we never received such a mail! They need us to show the original purchase proof, but after 2 months, I cant find the receipt. So we submitted the new dispute form and the bank statement and the transaction details to them, they agreed to take a look and asked we called them later to check. Yesterday, we called them again, they refused to reopen the case and said they will not give us the refund for the {$490.00}. They asked me to contact the XXXX to get the receipt, and when I arrived the XXXX, they told me only the manager may help me to find the receipt, but the manager is not there. They asked me to left my information, and he/she will contact me later. No response. I paid {$500.00} ( {$500.00} for the card, XXXX for the card processing fee ) for the card but only get {$4.00}. I called them several times, they agreed to give me a solution but now they refuse to give me my money back.

Company response to consumer: Closed with monetary relief