BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-24
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:
This is for XXXX card account XXXX XXXX/XXXX   I supplied the Ftc Identity theft paper work to them on last saturday, XXXX   XXXX and XXXX had XXXX  blocked in 72 hours Equifax however is making me wait 30 days as if it a regular dispute The confirmation number that i submitted it is XXXX I have attached to you the Ftc paper work along with the police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WAKEFIELD AND ASSOCIATES have wrongly tried to collect the a debt that i did not owed to them amounting to {$3500.00} and have ruined my credit. My insurance had paid the hospital in excess of {$10000.00} but still they are pursuing me from XX/XX/2014.

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 2022-03-29
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: Information belongs to someone else

Complaint:
I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights.

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 2018-01-31
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 disputed the following accounts due to identity theft : XXXX XXXX  XXXX XXXX XXXX XXXX I have submitted my police report along with my identity theft affidavit. Equifax reported back and said these accounts were verified after I clearly submitted a police report and identity theft affidavit. I have already started the intent to sue process and I want these accounts deleted ASAP. The XXXX XXXX has like 2 years of non reported entries and that is clearly a sign of not report accurate information which is a violation and I plan to get monetary damages. I have proof that you sent me a template verified letter back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, Since XX/XX/20, I have attempted to right a wrong with PNC regarding a check I mistakenly deposited into my business checking account with them and PNC has not assisted me in recovering these funds for several days now. 

I mistakenly deposited a {$3000.00} check ( check XXXX ) into my business checking account on XX/XX/20 and this check was actually written on the SAME business checking account. I thought the check was from a different account I owned, but it was from the same account that it was written on. I realized the error but it was too late. 

{$3000.00} was withdrawn form my account to cover the check written on the SAME account, the funds came out and were never deposited back, despite the several attempts I have tried to make regarding this. Right now, I just want my {$3000.00} back into my account. I dealt with someone named XXXX XXXX from the PNC help component on the online app and she has not communicated with me in a way that would help me. I spoke with her twice. She said it would take 3 days, but it has been well in excess of 3 days. I want the {$3000.00} put back into my account as soon as possible. 

Though it is my error, PNC should have also caught this error and refunded the money, but there has been no action. Now I need a different kind of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: EQUIFAX, INC.
State: GA
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:
I want to dispute the following 4 fraudulent accounts listed on my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I have contacted these creditors for more information to no avail. I have filed an FTC IDENTITY THEFT REPORT because I have never had or open these accounts. The report number is XXXX. I have attached the Identity Theft Report for your review. Please remove these fraudulent accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I filed a police report once I realize that the bank notified me that my account was in the negative over {$1000.00}. Then I step into the branch to find out why I was blocked out my account and card was not working. Then I file a dispute with the Bank. They provided me with the info and it came back some used my info to deposit a check with a fake signature that didnt match mines and they withdraw fund out the account with my consent. I need help cause they sold my info to a company called XXXX XXXX which blocks you from opening any bank account. Thats hurting my name to have any new bank 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 2020-04-27
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
California Business Bureau - {$570.00} this is for a medical debt when we lived in the XXXX CA area. We moved to XXXX in XXXX of XXXX and this collection is dated for after that ( XX/XX/XXXX ) so I believe the date had been moved forward. I have no record of owing this. FCRA Section 605 ( c ) makes it illegal for creditors, collection agencies, or credit bureaus to " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Nelnet, Inc.
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was mailed a letter appearing to be from the U.S. Department of Education offering to consolidate my student loan debt. I created an account on nslds.ed.gov and then called the number listed XXXX. I spoke with a representative who already had information that I did not believe a third party could have such as my total student loan debt. He offered me guidance toward consolidating and refinancing my federal loans and told me I was eligible for a repayment forgiveness plan ( REPAYE ). I would only be responsible for {$110.00} a month plus a {$39.00} fee per month. This would also be forgiven after 20 years. The representative seemed genuine and helpful. He told me that I was responsible for the application fee of {$790.00} which I was able to break into two payments of {$390.00}. I signed a contract with this company falsely under the impression that they were a government affiliated and protected company. He insisted that they were federally backed. I sent my REPAYE document and two paystubs to the address that they had provided for my student loan provider. I did not realize that something was fishy until I saw the deduction in the form of check from my checking account. After looking up the company listed that the check was made out to I found through the XXXX XXXX XXXX that XXXX  XXXX XXXX, XXXX was littered with people saying they had been scammed by them. I have emailed them a notice of cancellation of my account and called my bank to dispute the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: Experian Information Solutions Inc.
State: TX
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:
The company has placed multiple delinquent notices on my credit causing emotional distress. They also started to garnish my wages and continue to Harass me with phone calls I have documented all phone calls and letters they have sent regarding garnishment and money owed. I have informed the company that if they do not delete the accounts from my credit I will be taking legal action

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 2020-11-08
Company: MoneyLion Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Moneylion has been reporting monthly erroneous account balance as delinquent for over 24 cycles. I have attempted to dispute with all three credit bureaus but with limited to no change. 

How can one account be charged off every month ( 24 times ) and remain closed? The apparent history of this account if fabricated and entirely not authorized by me. 

I never agreed to a loan or to any terms or payments. This is not only inaccurate, but predatory to report monthly charge offs to falsely pull down credit scores Reporting 24 charge offs on XXXX 7 charge offs on XXXX! 
XXXX was finally recently removed This account was never opened by me and likely part of my data that was stolen in XXXX  breach. I have reported this and attempted to contact moneylion to remove these monthly deliquent late payments as well as the entire account and history. 

Im not sure what information they have that apparently confirms its validity, but I have never opened an account with them or taken any kind of loan. Likely stolen information was used from my identity. 

Please confirm that this entire account is removed in entirety across all three credit bureaus due to identity theft and unauthorized account creation. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I recently bought car from XXXX dealer in XXXX XXXX NJ and I got financing from Honda financial services. My salesman told me I am getting 1.9 % financing as advertise by XXXX XXXX and when I sign the document I did not check to see if I am getting 1.9 % or not I just sign the documents trusting my sales man which was my mistake and I sign loan for 5.45 % instead of 1.9 % this was deliberate act on dealership part by not informing what I am signing also I have excellent credit score of 840+ and if I don't get 1.9 % who will? I believe Honda financial services license should be canceled for unfair practice in lending.i believe Honda financial services is involved in steering by charging higher interest rate for certain type or group of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
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:
I am writing to dispute the following information in my file. I am disputing the following items : 1. XXXX pulls XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are inaccurate because they are duplicative. I only authorized 1 pull on my credit report. 

2. 2 XXXX late payment marks are duplicative- they represent the same payment/lender agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card from Bank of America in amount of {$12000.00} limit. I did not apply for this. On the same day I opened this mail, XXXX XXXX, I also received notification of request for mail forwarding by USPS that I did not make. 

I contacted Bank of America and credit card was cancelled. I contacted XXXX who put a 1 year fraud alert on my account and notified the XXXX other credit bureaus. Postal Service informed as well I contacted Social Security Administration that instructed me to Federal Trade Commission and thus to this site

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 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 sent my Deletion letter from XXXX XXXX to the Credit bureaus and they refuse to take the Bankruptcy off my credit report. I sent them the letter from XXXX XXXX because they had no way of proving the Bankruptcy was valid because the courts don't verify and XXXX XXXX deleted it from their system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Experian Information Solutions Inc.
State: NM
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 is not responding to any of my many requests to investigate, verify and remove accounts from my credit report/file that were opened fraudulently.

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 2018-01-31
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX, I sold a vehicle ( private party ) that was financed with GM Financial. There were two checks included with the loan payoff form ( the first : {$12000.00}, and the second : {$13000.00} ). Both were cashed on XX/XX/XXXX, however only one ( {$12000.00} ) was applied to the account. I have had to contact GM Financial over a dozen times, by phone and by website chat. I have provided signed front and back copies of the check to at least 3 individuals as requested and still have no resolution. In the meantime, I am making payments on a vehicle that was sold two months ago. GM Financial seems to be in no hurry to help resolve my issue and it seems absurd that it would take this long to locate a check that was already cashed by the company. I sold the vehicle for more than I owed, so I am waiting for approximately {$2600.00} to be refunded once the check is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Ad Astra Recovery Services Inc
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a complaint against AD ASTRA RECOVERY SERVICE with the consumer financial protection bureau. I was told from a representative that if I did not authorize this account from XXXX XXXX that I need to file a FTC Identity report. So, below I have attach the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I mailed LVNV FUNDING a debt verification letter on XX/XX/2020 asking the collection agency to verify the debt. LVNV funding responded with a letter just stating I owed {$960.00} dollars for a credit card debt with XX/XX/XXXX I then sent a letter certified return receipt on XX/XX/2020 ( delivered XX/XX/2020 ) stating their response was insufficient, and requested the contract I signed that gives them legal standing to collect said debt. Their attorney XXXX XXXX XXXX sent a letter stating LVNV funding would obtain a debt verification or a judgment against me for said debt. LVNV funding refused to validate the debt and ignored my request for the contracts it assumed I signed giving legal grounds to collect debt. I disputed the account from my credit report XX/XX/2020 with XX/XX/XXXX for failure of debt validation by LVNV Funding. I also disputed with XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXXin terms of LVNV funding violating my rights under the FCRA in allowing LVNV to inaccurately report this collection account on my credit. LVNV has reported this account as a factoring account with a one month term limit with a balance of {$960.00} ; while also negligently reporting 20 months late payments on a collections account of debt LVNV claims to have purchased. The credit bureaus investigated my disputes and stated LVNV meets the requirements of the fair credit reporting act. I stated in my disputes I did not sign any contract with LVNV debt collection agency and it was a violation of my rights to allow them to inaccurately report on my credit and requested LVNV funding be deleted from my credit report. LVNV Funding refused to validate the debt, provide the contract or bill of sale from the original creditors, and violated my rights under the FCRA by reporting monthly late payments, and all 3 bureaus has allowed these violations to happen, and further damage my credit, illegally. Now XXXX, the LVNV attorney who refused my requests for documentation for debt validation, has filed a lawsuit against me in my county, court case ( XXXX ). XXXX XXXX stated in last letter to me ( forward to my new address by USPS, XXXX XXXX refused to send letters to return address on the letter I sent LVNV ) he would either validate the debt or receive judgment on the debt. XXXX XXXX has never validated the debt, instead he has followed through with his threats of legal action. LVNV funding has violated my rights numerous times with the complicity of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: John C. Heath, Attorney at Law, PLLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
( Lexington Law ) Hired them to monitor and to dispute any questionable collection claim. 
They started billing me monthly immediately around {$100.00} a month. 
They had disputed several ( 3 ) negative credit reports. 
Several months later I applied for a VA Home Loan. 
The lender of the VA Home Loan, XXXX XXXX XXXX XXXX had informed me that the VA regulations don't allow for a veteran to have any collections items in dispute in order to proceed with the VA Home Loan. 
I had contacted Lexington Law informing them of this issue and that I needed them to immediately remove the items in dispute with the collection companies. 
Lexington Law stated that they would have the items removed from dispute, and that my fees would be lowered because they would be doing less work now on my account. It went from {$100.00} to {$17.00} dollars a month. 
Now the lender of my VA Home Loan just stated to me that the collection items were never removed from dispute. Now my VA Home Loan that had been approved and the home they were financing is in jeopardy. 
I had just called Lexington Law to inquire what was going on. They were very rude and disrespectful and gave me a lot of double talk to try and confuse me. 
I feel they misled and deceived me. 
( misrepresentation )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE CBE GROUP XXXX I was a victim of fraud and have attached the document from a ID thief case I have never done any business with CBE GROUP or XXXX XXXX. Please delete this account from my credit report. This can be done by submitting a UDF form to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
As per a " scam '' to gain money, they had a promotion ( oddly enough they changed the name of the promotion quickly to something else ) to gather direct deposit of at least {$1000.00}, plus {$25.00} fee to open the account, which I did in the timeframe per details ( less than 3 months ). I even made sure with the banker in person several times in the promotion time ( XX/XX/XXXX to XX/XX/XXXX ) that I should be getting funds and that all conditions were met. I was supposed to get an additional {$200.00} as per promotion for that. I never got any money added to my account, no interest, nothing. I was SCAMMED! I want this US Bank closed immediately and fined for stealing 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