BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below are the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$19000.00}

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 2021-09-01
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:
You are in violation of my rights under the FCRA and FDCPA. Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Please provide in detail the procedures that were used in order to verify these alleged accounts. If you are unable to do so, these alleged accounts must be removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, its is not only detrimental to me as a consumer, but an invasion of my privacy and these inaccurate accounts are harmful to my reputation as a consumer. It is unlaw to report any inaccurate information to my consumer report, as unverified information is identity theft and an act of constructive fraud. As written by congress the failure to comply with the removal of these inaccurate accounts makes you liable under section 1692k of title 15 and 1681n of title 15. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX/XXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX DEPT OF ED/XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXXXXXX  XXXX  XXXX Inquiry : XX/XX/XXXX XXXX  XXXX  XXXX/XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TekCollect Inc.
State: IL
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:
It's a very old bank account with XXXX XXXXXXXX XXXX that was paid in full then closed. It's being reported monthly to XXXX by TEK COLLECT. Unsure why. 
Called XXXX XXXXXXXX XXXX  on XXXX, spoke with XXXX who informed me he had no idea why. Called TEK COLLECT also on XXXX, spoke with XXXX. I gave her the account # XXXX which is what's listed for their agency on my XXXX credit report, and XXXX could find no information in her computer on me. 
This is a very negative mark on my credit that has prevented me from opening a new bank account, and getting a home loan. I'm unsure of how else to resolve it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: A.R.M. Solutions, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX ). I called and emailed them to cancel my account because they debited funds from my account on XXXX separate occasion without my permission. On XXXX, I cancelled my service with them and mysteriously the same amount that was debit from my account was sent to collections. On XXXX spoke to XXXX and was informed ( XXXX XXXX XXXX do not owe us anything you have a XXXX balance and your account is closed ). I also informed XXXX that I was receiving a collection notice and they appeared to not have any knowledge of anything being sent to collections. On XXXX informed the collection agency A.R.M. that I do not owe XXXX and that they were paid in full when I closed my account. The A.R.M. representative told me that I needed proof that I paid it. I stated my account was closed without and XXXX claims not to have any knowledge as to why I am receiving collection notices from your A.R.M. 

At this point I am feeling harassed and bulled by the attempts to collect on a debt that I do not owe in order to protect my credit. I to make these tactics made known to the public to prevent from being pressured and harassed into paying debits that you know you do not owe to save your credit rating. These companies should not have the ability to fraudulently say a consumer owes a debit that is not truly owed. 

Please help, by holding these XXXX companies accountable for falsely reporting my account to collection and then trying to repeating collect on a debt that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
1. On XX/XX/XXXX Barclay card charged my credit card an annual fee of {$89.00} 2. Shortly thereafter I called to close the account, and was told that I would receive the annual fee as a refund, but this never happened. 
3. On XX/XX/XXXX XXXX XXXX at XXXX XXXX refunded a room deposit for a reservation I canceled due to CoronaVirus for the amount of {$790.00}, which they refunded to this same closed Barclay credit card account. 
4. Since then I have sent countless emails and made countless attempts to contact them to get these amount refunded to me, however, I can not get through and they do not return my emails. While typing this email to you, I am currently on hold with their automated system, and the timer is showing one hour and ten minutes. 
5. Since they have refused to return my emails and since there is no way for me to contact them, I need help to get both the {$89.00} annual fee and the credit balance of {$790.00} returned to me. 
Needless to say, I am shocked at such behavior with by a major bank, particularly as it relates to XXXX XXXX such as myself who are already suffering enough due to the current environment. They should really be ashamed of themselves.

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 2022-12-21
Company: AES/PHEAA
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FedLoan Services transferred my XXXX XXXX to XXXX in XX/XX/2022. I noticed on my credit in XXXX that Fedloan continues to show my loan as open/active with over a $ XXXX balance. I now have XXXX student loans balances owed ( XXXX ) on my credit report!! I contacted Fedloan and they would not speak to me and the recording said for me to contact XXXX. I contacted XXXX and they said I had to dispute my credit report. 

I disputed both XXXX and XXXX and both results came back as account active and will not remove close/remove Fedloan from my account. I have since been denied credit as a result of this exorbitant loan balance and my debt to income ratio has been impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: IN
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:
Someone is using my information to open fraudulent accounts which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below XXXX XXXX XXXX - XXXX Inquiry XXXX XXXX - XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Freedom Mortgage Company
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: Account information incorrect

Complaint:
on XX/XX/22 I was alerted by one of my creditors that my DTI was extremely high as they were reviewing for a potential credit increase. this was due to my mortgage company reporting my loan twice making it appear that I have multiple home loans to the tune of XXXX XXXX dollars. I contacted them to have it corrected and sent them documentation showing the duplicate entries. they replied it should be fixed by Monday. Monday came and nothing has been fixed. 

on XX/XX/22 they contacted me and told me that the information reported on my credit was correct. even as I told them I only have one home loan with you and to explain the other loan. I have informed them twice now that they are causing me financial harm and hardship as this has lowered my credit score by over XXXX points and I have credit card companies asking me to get this fixed or they will close my accounts. even as I have paid all my bills on time.

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 2022-08-01
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the fair credit reporting act XXXX ( Experian ) has violated my rights. 15 U.S.C 1681 section 602 a states I have the rights 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 non-monetary relief
Consumer complaint received 2022-08-23
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased a vehicle in XX/XX/2022 through XXXX XXXX of XXXX. The bank to finance the loan was Santander USA. 

In XXXX, my personal bank account was hacked multiple times and I had to adjust accounts and along the way, missed setting up the auto pay for the car payment. 

I had made a total of 1 full payment at that point. 

On XX/XX/2022, my car was repossessed due to failure to pay. I called immediately, and offered to pay the past due balance. They refused to accept it, and stated I had to pay the loan off in full ( XXXX ) in order to redeem my car. 

I attempted to work with a couple of other banks and a co-signer to refinance the loan elsewhere, but because the payments are not current, other lenders won't take it. 

Santander refused to accept payment to make the account current, stating I could only do so by paying the full loan amount. 

I am a single mother after a messy divorce trying to get her life back on track. The bank refusing to work with me to assist the situation, despite my having the funds on hand to rectify it, is abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My account was closed and sold to another company.I didnt hear this company permission to my information.The company calls and mail me harassing letters about sueing.I have explained to them that I know nothing about there company and to stop calling but it continue to go on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: MoneyLion Inc.
State: MI
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:
15 USC 1681 Section 602 States : I have the right to privacy.

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 any purpose.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i noticed a alleged debt of XXXX from Receivables management services that i dont owe, i sent multiple dispute letters asking for the validity of the alleged debt but never gotten the document requested nor a deletion from my credit report.my first letter was on XXXX, XXXX, and XXXX was also sent to the CRAs as well, i am requesting deletion of this inaccurate and incomplete item from my credit report within 14 days or i will turn this matter over to my attorney to sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: IL
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:
According to the FRCA The Term Investigate 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 or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022, I received four emails right after the next from Wells Fargo stating that I applied to open a checking account, that I needed to clink a link to e-sign, that my account was approved and that I could start using my account. All four emails came into my inbox in TWO minutes and I never clicked on ANY of the links in their emails.

I did a google search on this and saw that there is a history with Wells Fargo employees opening accounts, etc. so I immediately called their fraud department and went through a lot of questioning to prove who I was and that I didn't open the account. After some holding and more info, they put a freeze on the account ( I've never had an account with Wells Fargo ) and said they will continue the investigation, etc. and will be reaching out to me later with updates via mail. After my call to them, I put a credit freeze on my credit with each of the three credit bureaus, changed my email and banking passwords and I'm filing here. Luckily, I caught the emails immediately from Wells Fargo and no transactions were made under my name with the new account before they froze it. 

In researching this bank online, this seems to be the norm with them. Lots of scandal, lots of fraudulent account openings according to stories online.

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 2022-08-01
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Truist Bank is horrible. 

I opened the checking account in XX/XX/2022 and transfer {$2200.00} from my other bank. As soon as the deposit is done, the bank has blocked me says Truist needs my verification. They said i have to go to the branch which makes me drive 2 hrs from my house. I brought my drivers license and proof of address to the branch to show my identity. It has been 3 weeks and nothing resolved. I still can not get my {$2200.00} out from Truist.

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 2022-06-30
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:
the accounts/ inquires cant be verfied and need to be removed from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: Blackhawk Network Holdings Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/2022 I purchased ( 6 ) XXXX XXXX as you go prepaid XXXX each at the XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX Louisiana the total of all ( 6 ) cards totaled {$3000.00}. I have never used these cards before and a employee from XXXX asked me what I was looking for and i said XXXX gift cards.She picked up 6 as i requested and said to go to customer service and purchase. I did and went home to activate cards. Once I completed I tried to use cards and couldn't. I then read info and found out cards had to be registered. However I tried registering cards and it wouldn't process. This is my first time ever to use this XXXX card when I started reading I realized they were the wrong cards and in fact were not gift cards. I am at a loss because I can't use the cards and i can't use the atm machine to get money back. I am not familiar with your cards and i personally never would have purchased said cards had i not been told these were gift cards. I am XXXX XXXX XXXX and can't lose this large amount of money. I was purchasing to help a family member in need and now i can't. I am requesting to be reimbursed as soon as possible and would like to redeposit into my account asap. I beg of you I'm not in the habit of making such a mistake. But i did can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from Bank of America stating that an XXXX XXXX Banking Account in my name was applied for, confirmation number XXXX. I do not bank with this bank. I tried to contact this bank, but contact appears to be impossible if you don't have an existing account with 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
Consumer complaint received 2022-09-28
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ; XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX XXXX XXXX ACCOUNT XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation