BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Please delete this account immediately from all three credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: UT
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 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. 
Account Name XXXX XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX BANK Account Number XXXX, Account Name XXXX BANK Account Number 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 U.S.C 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am a victim of identity theft. I have called Experian a few times to get addresses removed as well as names I don't use. they refuse to remove the information and told me the only way to remove it was to get a police report. they say the letter I uploaded was insufficient because it does not say the name or address in the police report. I have told Experian multiple times that I don't use XXXX XXXX when applying for credit I use XXXX XXXX XXXX. because of the identity theft situation from 2006. Experian continues to refuse my request and they continue to disobey the law by continuing to report inaccurate information on my credit report. 
I requested Experian to delete the names on credit report, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX addresses : I do not live at a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and this info needs to be deleted.

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 2018-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was trying to open an account at XXXX XXXX but I was denied and they told me to call XXXX  XXXX  XXXX.When I reached out to XXXX, they explained to me about the attempted to transact with an account in a unauthorized and prohibited manner. I have no clue what they are talking about. It was 2 that they sent to me. This was with Bank of America that they stated I had an account with at the time.I 'm clueless to what their talking about and I'm trying to get this matter taken care of because I can't open up another bank account due to this reporting to XXXX XXXX XXXX. I'm looking to hire an attorney to see what's actually going on with this account. At the time, I was living in a alcohol and drug facility and i lost a lot of my personal information. 
My consumer ID # XXXX Bank of America I look forward to hearing back from someone soon. 
Thanks

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 2020-05-04
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ally Financial has been using deceptive practices to collect a debt. They disguise their phone number with a local area code, no caller ID and they do not identify themselves as to who they are. They will repeatedly call from different numbers but will keep the same local area code to mine. Everyday I have to block a new number. I have addressed this issue directly with Ally Financial and keep doing it.

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 2023-07-21
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Mountain America Credit Union, XXXX XXXX, and the XXXX XXXX XXXX XXXX XXXX are pursuing to collect a debt that was FRAUD ON A CREDIT CARD Mountain America strong armed me into taking out a loan to pay for the fraudulent charges on my credit card I could not pay the loan which I told them before they gave me the loan! They sent it to XXXX for collections and XXXX sent it to their attorney and sued me without properly notifying me of the court date! They were issued a judgement and the constable is attempting to seize assets to pay this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$7500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: IN
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a victim of imposter scam. A XXXX based dating app scammed my out of {$25000.00} USD. The bank recalled {$5000.00} but would not recall the other {$20000.00}. What can be done about this? 
Plus a company called XXXX  said if I paid them {$3000.00} then they can help me recover these funds. Can you tell me if this company is legitimate?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report last week and noticed multiple billing errors that fall under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

I am very aware of my rights as a consumer and find this very frustrating that I have to go through this problem when I have done no wrong on my end. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. Or removed from my credit profile.

1. This account is invalidated/ inaccurate XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

This is aggravated identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18
Company: Independent Recovery Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone call from independent recovery resources they also call themselves IRR. # 's they call from non stop XXXX, XXXX, XXXX, XXXX, XXXX. Non stop throughout the eveni g. When I asked for a verification of this debt they have nothing. When I called and told them to stop the robocalls they told me they handed this off to an attorney and I was going to be sued

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Trans union placed a fraudulent account on my credit report without verifying if it was correct. This is a direct violation of the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692. My rights have been violated.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-14
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act I.C. Systems, INC 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose No wet signature account with account claimant original debt was charged off

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 2018-02-18
Company: RGS Financial, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2017 I cancelled my cable subscription with XXXX XXXX. All equipment was returned and the bill was paid in full. They then said I owed them for an " early termination fee '' They refused to produce either my signature or my verbal agreement to this contract which they say I agreed to ( which I dispute ) that justified this early termination fee. I have always and still do dispute that I entered into such an agreement. Even though they refused to produce these items I requested they went on and sold this " account '' to RGS Financial ( acct # XXXX ) whom posted this collection account on my credit report.I am once again asking for : '' Debt Validation '' of this account from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Netspend Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
They sent out several duplicate cards and they all were activated on my same account from my payroll provider they allowed my money to withdraw from all card until my savings were all gone I submitted a dispute to have my funds returned and they have taking thru a lot of different steps and still havent received my funds and they are still mailing me different cards that are attached to my account. Please help restore funds to me

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 2023-02-09
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i filed for bankruptcy in XXXX i was discharged in XXXX i asked all credit reporting agencies to remove as its been 9 years. i haven't gotten a response from any of them and its been over a year since i asked

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 2023-06-04
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: Credit inquiries on your report that you don't recognize

Complaint:
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The Following Inquires on document are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ohio XXXX You are in direct Violation of the fair credit reporting act ( XXXX XXXX XXXX ) has violated serval of my rights. 

15. U.S.C1681 Section 602 : A Clearly states that I have the right to privacy.

15. U.S.C1681 Section 604 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15. U.S.C 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several law under the fair credit reporting act.

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 2022-12-16
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 explanation
Consumer complaint received 2019-09-12
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
SEEMS EXPERIAN IS UP TO THEIR OLD TRICKS AGAIN BY PUTTING FALSE STATEMENTS, FREEZES AND ALERTS ON MY CREDIT REPORT. 

THEY PUT THIS ON MY FILE WITHOUT MY PERMISSION AND I AM DEMANDING THAT IT BE REMOVED IMMEDIATELY. I DID NOT AUTHORIZE THEM TO PUT THIS ON MY REPORT AND IT BETTER BE REMOVED IMMEDIATELY. 

Statements Personal Statement ( s ) 26 & XX/XX/XXXX XXXX ID  SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX. 

LIARS IS WHAT THIS GROUP OF PEOPLE ARE. FICTIOUS LIARS THAT ABUSE PEOPLES FILES.

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 2023-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 My personal Maryland State income tax refund ( {$9000.00} ) was deposited into Bank of America account number XXXX. This was in error as I am not the account holder, XXXX XXXX XXXX is the account owner. Bank of America noticed the error and froze XXXX XXXX account and all funds- On XXXX. XXXX, XXXXXXXX my Federal Income Tax refund was also deposited into the same account ( {$11000.00} ) at the time the account was closed. My tax preparer noticed the mix-up and made myself and XXXX XXXX aware of the mix-up- so we contacted BOA. XXXX XXXX was informed his account was closed, a review and all funds would take place with a resolution on XXXX XXXX. After numerous calls, in-person appearance at a local branch- we have been told the transaction is still under review? The BOA Branch Manager, informed BOA Lost Prevention, Risk Management, Account Closure and Fraud Department, that the deposit was in fact in error as both myself, the tax preparer and XXXX XXXX ( account owner ) sat in-person seeking a resolution to this problem. In the meantime, I notified the IRS, to which they started a deposit trace on XXXX XXXX. On XX/XX/2023 ( conclusion of the XXXX given by the IRS ) I was informed by the IRS that BOA has not responded to the demand for retrieval of the errant deposit, as of this day XXXX XXXX has never received an update for his remaining funds in the account at the time of closure- The State of Maryland informed me they have no recourse to have the deposit reversed and I'm too wait until Bank Of America sends the money back to them.

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