BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
Company: KLS Financial Services, Inc
State: NC
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:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : To Whom It May Concern : I have recently been informed that you are still allowing derogatory information to be reported by KLS FINANCIAL SERVICES, XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I saw an entry listing that I owe {$36.00} in XX/XX/XXXX. 

I challenge the accuracy, compliance and reporting of this listing. The account you are reporting is not mine. 

Please validate this information with KLS FINANCIAL SERVICES and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I am formally requesting that this information be immediately deleted from the credit file bearing my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office

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 2023-01-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In pursuant to 15 USC 1681b ( a ) ( 2 ) which states " ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I, THE CONSUMER, DID NOT authorize the credit bureau IN WRITING to furnish my credit report to the following accounts listed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: PA
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:
Good afternoon my name is XXXX XXXX there are addresses and inaccurate debt that happen to appear on my credit my file a dispute the XXXX of XXXX I followed up a month later to see if they would remove the inaccurate information they did not so I followed up with another call to dispute it over the phone they again failed to remove the information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: OH
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I previously disputed a debt with AR Resources to no avail. I saw they are continuing to collect the alleged debt. I continue to dispute the validity of the alleged debt in its entirety. Further I have requested verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor, which I have not received. they are illegally attempting to collect an alleged debt, which has been disputed. As per the law, I DEMAND deletion of any credit reporting to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: EQUIFAX, INC.
State: WA
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:
There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
Dear CFPB I am writing this letter to compliment the wire transfer fees problems with Bank of America. 

I just received a money wire incoming transfer from XXXX. 

When my sister sent the money, she already paid XXXX USD and plus transaction fees. 

But i only received XXXX USD XXXX dollars wire fees, l called Bank of America this morning and asked who changed XXXX dollars, they said another side of the bank, but l checked details which from my sister she paid extra fees not including this XXXX USD dollars. 

I think Bank of America charged XXXX dollars fees, and they don't admit it. I want they refound the fees. 

Looking forward Sincerely 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 2018-12-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We want XXXX XXXX XXXX investegated you are the servicer on our mortgage. Our loan was originated back in XX/XX/2006. We are victims of a predatory loan. We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now XXXX XXXX XXXX We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. We want to hold these corporations accountable for the problems you have caused to our family. We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage. 

Stop foreclosure activity on our home and fix our mortgage. 

fix our toxic mortgage. 

lower our principal balance / balance started at XXXX k now over 670 k. 

bring our account current fix this ridiculas wrong toxic loan. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX acct # XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: FORD MOTOR CREDIT CO.
State: WA
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:
FMC-OMAHA SERVICE CT This showed up on my credit report this month with a balance of {$5900.00}. This account was charged off in XX/XX/2012. It is showing this as a new balance not current on my credit report. I called in to Ford Motor Credit and they can not find an account with my name. How does the company not have an account with my name on it but I get hit on my credit report for missing a payment on a debt that was charged off over 7 years ago? This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
loan number XXXX loan me nc XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX I borrowed {$5100.00} on XX/XX/2015, the dollar amount for financing was {$36000.00}. I have paid back {$16000.00} and I still owe {$2700.00}. I am asking for the bill to be paid in full because the interest has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
Had a Truck loan with Credit Acceptance Corporation and paid it off in XX/XX/XXXX never received the release of lien for the title letter at that time XX/XX/XXXX. 
Selling the truck XX/XX/XXXX contacted Credit Acceptance Corporation to have the lien release letter faxed. 

Was advised fax to arrive within 24-48 hour. Never received Friday XXXX XXXX, XXXX and was advised it was faxed at XXXX that morning never was received. 

Re-contacted Friday XX/XX/XXXX and was told it would be faxed by the end of the day, never received. Another call Monday XXXX XXXX and was advised the fax would come with-in 15 mins, never received. Call back 2 hours later was advised Title department is closed. Still no fax of lien letter. 

I'm just continually getting the run around and lack of support, not understanding why they are keeping my lien & Title of a Truck that is rightfully mine.

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 2022-04-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, On XX/XX/XXXX there was a hard inquiry on my credit from XXXX Of XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards.

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 2021-09-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company reported two of the same bills which I paid for the bill that was correct. I didn't take two ambulance rides. This is inaccurate and I do not owe anything else. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: WI
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 have a collection account listed on my credit report by collection company XXXX XXXX XXXX XXXX for original creditor XXXX XXXX. This should be listed on my credit report as my XXXX XXXX account was resolved directly with XXXX and I've never made contact with XXXX XXXX XXXX. My account with XXXX was paid in full with XXXX on XX/XX/2022 in the amount of {$310.00}. I submitted disputes to credit bureaus XXXX, XXXX, and Experian. All disputes came back with the result of the debt being verified though I received no additional information. I'm not sure how the debt came back as verified when as stated, my XXXX account was paid and resolved directly 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 2022-04-02
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A.states I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: MoneyLion Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I had an account with moneylion and at the time I took out a loan which required me to invest {$25.00} per payperiod in their investment account. I paid off the loan in full and contacted moneylion to cashout my investment on XX/XX/19. They stated to wait 10business days and the funds would be in my checking account. On the 8th business day i called to make sure the funds were still coming because the app said it takes 3-5 business days and the funds should of been there. The rep advised me everything was fine that was incorrect on the app it takes 7-10 business days if the funds are not there by Friday call but showing transfer is sucessful. Well, the funds were not in the account on the 10th business day so I called again. The gentleman advised that there request did not process and they would have to restart the process and I have to wait now an additional 10 business days. I advised him that is not what was told to me 2 days ago when I called and now the transfer did not process so me waiting a total of 20business days does not work for me I need the request fulfilled. He advised me that per his support team there is nothing they can do because they are not the holder of the investment has tp go through another party and that is where the delay is coming from. I asked for that information so I can contact them direct and never got was transfered to some lady who sent me an e-mail saying she escalated the process wpuld arrive in 3-5 business days and to date still nothing. How can you guarantee someone funds if you're not holding the funds. I just want my investment money that i put in when I had the loan that they are clearly refusing to payout!!!! I'm getting every excuse but when my loan and investment funds had to come out the account nobody hesitated to take the money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: MOHELA
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My loans were forgiven in full in XXXX. I show that the credit card companies have received info from Mohela, but it still shows my loans are active and in repayment with the full balance listed as owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Good afternoon. 

In XX/XX/2022, I tried to make a purchase at XXXX XXXX in XXXX XXXX XXXX XXXX ) Florida. TD Bank flagged that purchase as fraudulent, even though it was within the credit limit. I contacted TD Bank numerous times over the phone between XXXX to XX/XX/2022 to try to get the account open again so I could pay. I was informed that it would be open within a couple of hours every time I was on the phone, however it gave me a " Request could not be processed '' error under the credit card account. Since I was not receiving paper statements, I was unable to pay the bill until the account was open. 

I was unable to access the account since then, and recently received a collection notice for the balance in the mail. TD Bank charged late fees on the account, then NEGATED the late fees before handing it over to the collection agency. 

This is affecting my credit, and I ALWAYS make my payments on time. A simple check of my credit will show you this. I would like TD bank to rescind the late payment on my credit score since I was UNABLE to access my account online, even after speaking to several people over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation