BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: Self Financial 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 status incorrect

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done SELF FINANCIAL/LEAD BA can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If SELF FINANCIAL/LEAD BA reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: MD
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:
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.

has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX has illegally placed a collection on my consumer reports, violating my FEDERALLY PROTECTED consumer rights. In accordance with The Fair Debt Reporting Act the account with XXXX XXXX XXXX XXXX has violated my rights : 15 U.S.C 1658 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without written instructions from the consumer... I have not given any such permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was appointed legal guardian & conservator of Ms. XXXX XXXX on XX/XX/2020. She has a consumer checking & savings account at Wells Fargo Bank. I met with a banker on XX/XX/2020 to a ) get added as an authorized user on the consumer accounts, b ) open a new conservator account, and c ) transfer money from the consumer accounts to the conservator account, leaving the consumer checking account open until I can get VA pension and SSA auto deposits going into the conservator account. Item ( b ) was accomplished. The bank told me their legal department would not approve adding me to the consumer accounts as an authorized user, nor transfer money to the conservator account. The bank wouldn't even allow for a {$25.00} transfer to open the conservator account ; I had to use my own money. The amount in the savings account is minimal compared to the checking account. I asked if the savings account could be closed and transferred to the conservator account so I would have cash to work with. This request was also denied. These accounts are the only liquid cash Ms. XXXX has. Her POA passed away in XXXX, 2020, and bills have not been paid since. I explained to the bank that it would take XXXX months at best to get the VA XXXX XXXX XXXX deposits transferred to the conservator account. By closing these accounts right away would cause the auto deposits be returned, and could be difficult to recover. I asked for special consideration to transfer money to the conservator account given Ms. XXXX 's financial situation. The banker said he would send a request to the escalation department.Ms. XXXX 's bills are deeply in arrears. The homeowner association fees have been sent to an attorney for collections. The utilities in her home were turned off due to non-payment ; I had to open new utility accounts in my name ( which is frowned on by the MN probate court ) in order to get the utilities turned on. The homeowners insurance has been canceled for non-payment & I will not be able to reinsure until I have access to the money. There is a large unpaid balance at the memory care location XXXX XXXX lives at, putting her in further jeopardy. I provided the MN statute for conservators to the bank, which states " ... ( 3 ) the duty to possess and manage the estate ... ''. I maintain Wells Fargo Bank is in violation of MN law. This is not the first time I, or my colleagues in the industry, have had these issues with the bank. I try to develop a professional relationship with the bank since they have a large presence in the community, though their actions make it most difficult.

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 2017-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There was Two charges that appeared on my Credit card on the XX/XX/XXXX,XX/XX/XXXX For Light bill and Cable bill that was paid. On the XX/XX/XXXX I called in notified the company and began the dispute. On XX/XX/XXXX They Credit is back the {$520.00} which is the total of  {$170.00} Light bill and {$340.00} Cable bill.The Company reverse the charge of {$340.00} on XX/XX/XXXX because i had the same cable company. Spoke with the fraud department which gave me a fax Number .To send bill from the cable company to show that My account has n't been as of yet and the amount of the charge an my is n't the same amount. which @ the time XXXX which is a past due of 2 months. Now on the XX/XX/XXXX they sent me a letter saying We have researched your claim and results that this is my charge. So i research myself. They do n't have the account to that was paid with my card. So they ca n't match and assume that the charged is valid because of the company. So I spoke with the Company fraud department again and faxed over the new bill which is then {$330.00}. because it still has n't been paid. It was denied again. I have the bills from the past six months the prove that charge is n't mine and that no payment has been made since the issue has been going on.

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 2021-05-23
Company: EQUIFAX, INC.
State: MD
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 never got a loan from XXXX XXXX XXXX i never went to school in the usa so no need to get a loan XXXX XXXX XXXX is reporting incorrect and wrong information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions 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:
XXXX XXXX  XXXX not mine and address not mine XXXX XXXX XXXX XXXX tx XXXX remove the address and not my name

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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023, XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX Balance : {$600.00} XXXX XXXX XXXXXX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023

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 2020-12-14
Company: STATE FARM BANK, FSB
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I sent my original dispute to state farm bank for an unauthorized account being opened in my name. State farm forwarded my complaint to XXXX XXXX XXXX that bought the debt from state farm bank. On XX/XX/XXXX. XXXX I mailed another dispute letter directly to XXXX, XXXX completed its investigation into my fraud claim, ruled it in my favor, closed out the account at a XXXX  balance. To date State Farm Bank will not remove this account from all three credit agencies which is in violation of my due process rights.I 've been XXXX  at XXXX XXXX XXXX XXXX in the Oklahoma XXXX XXXX XXXX since XX/XX/XXXX. And I gave them the opportunity to resolve my issues but it fell on deaf ears.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05
Company: I.C. System, 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: Information belongs to someone else

Complaint:
A account appear on my credit without my understanding of ever applying for these account. I contact the merchant and the bureaus and insist it be remove but no word or action yet.

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 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX not mine and address not mine XXXX XXXX XXXX XXXX tx XXXX remove the address and not my name

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 2023-08-15
Company: BARCLAYS BANK DELAWARE
State: AR
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, Barclays Bank Delaware Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

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 2020-09-17
Company: Nelson Cruz & Associates LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was employed by this collection agency from XXXX. During this time I observed the company make collections on debt that was past the Statute of Limitations in all 50 States.

The collectors were telling debtors that a motion has been filed in the debtors county for a lawsuit, that the collector would say NCA is a law firm, that unless the debtor would come to an agreement right then an there the motion would be put into place, that the debtor can have their wages garnished. This company is not a law office, the collector was not an attorney nor paralegal but would say they are a liason then other times not say they what their title was but that a lawsuit will be filed, this was on both current debt plus debt that was past the Statute of Limitations. NCA would tell debtors the debt is on their credit score even if it's 8-12 years old with the company placing old debt onto a person credit report to collect even though the debt is past the limitations thus affecting the debtors credit score. The company collected on all types of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX : wanted to submit for the loan forgiveness, since I met the payment qualification. The company told me I had to do something differently with my loan, then make the qualifying payments in order to qualify. I was told prior that my loans that were qualified for the program, even if I consolidated, which I did. Please help as I have been paying for some time and expected this loan forgiveness since I have been a XXXX   since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was the victim of identity theft and was contacted by XXXX XXXX regarding a loan that was past due. I advised them I am disputing this as I never opened any lines of credit with XXXX XXXX. This was in XX/XX/2017 and it is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Transworld calls me at both of my phone 2 to 3 times per day to threaten me about debts that both Transworld AND the original owner of the debt know was obtained through fraud. Neither the original creditor nor Transworld have been able to provide documentation for the debt that would stand up in court -- entries on a spreadsheet are not proof of a debt. Nevertheless Transworld routinely threatens legal action and habitually violates the FDPCA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25
Company: U.S. BANCORP
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2023-03-21
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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

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 2019-07-25
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:
Due to XXXX security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my XXXX credit due to XXXX  security breach that took place on XX/XX/XXXX XXXX XXXX Amount XXXX Date opend XX/XX/XXXX XX/XX/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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Disputed accounts on credit file That are not mine. Proof of ownership has not been verified. These accounts listed on file do not belong to me. I havent been given any proof of ownership

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 2021-05-04
Company: EQUIFAX, INC.
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 have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation