BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I placed an order with XXXX on XX/XX/XXXX using a ghost card with XXXX. I made 3 out of 4 of the payments for the order and hadnt received the product so XXXX paused my last order to give me time to figure out the situation with the company. I tried to call and email the company several times & was not able to leave a message due to the mailbox being full. XXXX advised me that they couldnt contact the merchant either so I would have to file a dispute with my bank. Attached is my affidavit I submitted to the bank as well as the order confirmation and the phone number for the company. I finally got in touch with the company in XXXX and was advised that the owner had passed away in XXXX and the family closed the company and can not fulfill or refund any orders. I have attached the order reference number from XXXX as well. Their phone number is XXXX. 

My bank has advised that they closed my dispute due to not receiving requested information however, the last communication received was on XX/XX/XXXX and I sent the requested information the same day which was verified as received. They advised me on XX/XX/XXXX that they can not reopen the dispute which left me no choice other than to report them here.

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 2020-01-03
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XX/XX/19 I had XXXX. 
The bill in question was for {$590.00} Total from XXXX XXXX XXXX XXXX It was broken down into 2 equal parts for XXXX XXXX XXXX & XXXX XXXX XXXX for {$290.00} each. 
I made on initial payment of {$18.00} on XX/XX/19 owing {$570.00} while I was trying to figure out how to pay for multiple bills at once from the single XXXX. 
I had at least 6 different bills coming in from this one XXXX, so I put them all on payment plans. The agreement was for at least {$47.00} per month for 12 months and I made that first payment of {$50.00} on XX/XX/19 and another for {$50.00} on XX/XX/19. 
So I now owed {$470.00} I did not receive a bill after that and when I called to find out what happened, they had somehow changed my address to XXXX  ( I haven't lived there in about ten years ). I corrected the address and was assured new info would be in the mail. 
I received a new bill in early XXXX with a statement date of XX/XX/19 and a due date of XX/XX/19, but I had only just received the bill so I paid immediately on XX/XX/19 for {$48.00} bringing balance down to {$420.00} I did not receive a bill in XXXX or XXXX. 
Today, XX/XX/XXXX I opened a bill that reflected the {$420.00} amount due. Statement date XX/XX/19 and due date XX/XX/19. I went online to pay, but my balance said {$290.00} I made a payment of {$55.00} to bring my balance down to {$240.00} and started looking through my summary. 
It appears they were applying my payments only to XXXX  and not evenly split between him and XXXX. 
Even though the payments were applied to XXXX, that was the half that they sent to a collection agency ... with no warning or notice prior. 
When I attempted to contact the listed collection agency, they tried to sell me a cruise and hungup on me. When I contacted XXXX XXXX XXXX XXXX, they said there was nothing they could do. 

So I have a medical debt with a collection agency that i was not warned about, have had no written correspondence with, and when i try to call the number provided by my doctor- they try to sell me a cruise and hangup on me. 

Collection Agency : Chase Receivables XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter requesting that you re-investigate the disputed account from my credit report as well as place temporarily updated accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Once again, this is my personal, good-faith request for relief under the FCRA. This complaint is a formal notice that you are knowingly reporting inaccurate, incomplete, and unverifiable information regarding the account listed below. I am also disputing reporting law not whether or not an account is mine but whether or not Equifax has the verifiable proof that is required by law to have for the account listed. I am requesting proof of this alleged account, specifically the contract, note, or other instrument bearing my signature. 

Original creditor : XXXX Date opened XX/XX/2021 Balance {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions 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:
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. 

XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 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 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 2020-01-03
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, 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:
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. 

XXXX XXXX  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 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 explanation
Consumer complaint received 2017-05-31
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The apartment complex is calculating charges that are not owed and does n't match the information on move out inspection sheet. The apartment complex is trying to charge for things that were existing before I moved into the unit. Pictures and documentation prove that the charges are inaccurate and unfair. There was never an itemized breakdown of what is being charged.

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 2020-01-03
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I placed a call to Wells Fargo about my account being locked and my card not working. They detected fraudulent transactions and were going to start the investigation. I was given 2 claim numbers for the unauthorized XXXX transactions and was told they would be in touch with me. I had to stay on top of Wells Fargo about this because no one was giving me answers so I ended up trying to call them 2-4 times a week to see what was going on. They all kept bouncing me from department to department each time I would call. XXXX with Wells Fargo claims specialist center left a voicemail asking me to call them back on regards to one of my claim numbers. I had called and was on the phone with several different people over a course of 28 minutes for them to tell me the claims department I was needing is closed but the call refers to them wanting to do " something '' with my account. The lady named XXXX told me to check my online banking app to see a message they sent me. I checked it and it said they were closing my account on XX/XX/XXXX with no explanation. I called back the very next day and was bounced around like a hot potato until I got ahold of a gentleman. He then told me Wells Fargo did not want a relationship with me but when I asked why he would not give me an answer. He then said they had to terminate my access to my online banking and would not give a reason for that either. I went down to the Wells Fargo in XXXX, NM on XXXX XXXX XXXX to pull my money out of my account before anything else happened to it or before the bank could come up with some reason I couldn't withdraw MY money and closed the account myself. I called the LP ( loss prevention ) department on XX/XX/XXXX and asked them why and the answer I was given was it was a " business matter '' and she couldn't give me anymore information.

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 2015-12-21
Company: Delbert Services
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received several calls from XXXX. He will not tell me what company they are with, only that I allegedly owe money to a western sky finance. I paid all my loan and then some to western sky and I do n't know who these people are that are trying to collect money from me. They called me at work and even after I told him I was at work and they were not allowed to call me the agent said they would continue to call me. I called him back and he kept hanging up on me until finally he transferred me to a supervisor. This is harassment plain and simple and I want to file charges on these people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: ReliaMax Holding Company
State: NY
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:
I was unable to keep up with my monthly payments for my private student loan. I was paying toward the interest of the loan and not the principle. I needed help. I contacted XXXX XXXX XXXX company to help me assist with the loan. They negotiated my student loan from {$85000.00} to {$57000.00} from XXXX XXXX XXXX XXXX. But XXXX sold my loan to Reliamax. XXXX XXXX XXXX company contacted Reliamax and got my loan further reduced to {$27000.00}. Which is how much I paid Reliamax. I completed the payments in XXXX of 2020. And now they gave my account to XXXX XXXX collection agency claiming I never paid them. They also opened a collection under my credit history as security credit services for {$57000.00}. I am trying to have this removed. Im disputing it with the credit bureaus. This is causing me to loose a home I was about to purchase and these people should not be allow to do business if they will do this to students who settle their debt.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-10
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:
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. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 

XXXX5 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 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 2020-01-03
Company: ORG GC GP Buyer, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am lodging a formal complaint against gc services debt collector. This debt collector has reported derogatory information on my three credit reports for a debt in the amount of {$2000.00}. This account just appeared on my credit reports without sending me a dunning notice in the mail, which gives me 30 days to dispute validity. This is a violation of the fdcpa/fcra. I have never had an account with XXXX, I've been with XXXX  my whole life. So I don't understand why this company would report derogatory information without contacting me first. I am in the process of purchasing my very first home for my family and I, which this errounous account is now holding me back from accomplishing my dream home. I am requesting this account be deleted from my credit reports immediately. XXXX, and attorney general complaints will be filed if this account isn't removed immediately. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, 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:
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. 

XXXX XXXX ( Original Creditor : XXXX XXXX UNIVERSITY ) 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 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 explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My vehicle loan is currently paid in full. I have emailed ALLY twice so far ( XX/XX/XXXX and XX/XX/XXXX ) and have received no response. I have called them on XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX, and twice on XX/XX/XXXX. On the last call, ALLY claimed they had not received an odometer statement from the dealership. That was found be be a lie and the dealership emailed another copy of the document, yet again. I have filed a XXXX  complaint to get this fixed, and Ally financial responded to the XXXX  with " Due to privacy concerns, we are unable to provide you with any additional details in this matter. We thank you for taking the time and effort to bring this issue to our attention. If we can be of further assistance, please contact us at 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 2022-10-03
Company: EQUIFAX, INC.
State: MO
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:
It has been a long time since I started disputing my Credit File in hopes of having the fraudulent items be completely removed from my Credit File, however, the Credit Bureaus have done nothing despite the consecutive, multiple disputes I have been submitting. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to send me copies of proof of verification and or copies of proof of ownership or any documents bearing my signature but up until now, the Credit Reporting Agencies have never sent me anything related to my dispute. I am now submitting this CFPB Complaint requesting to the Credit Bureaus that they remove the disputed accounts and information that resulted due to identity theft. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XX/XX/2022. Also, the Credit Bureaus have been claiming that the disputed items belong to me without sending me copies of documents that I have been seeking. This action of the Credit Bureaus is a clear violated of a consumer 's rights in under the Fair Credit Reporting Act. I have informed my legal aides regarding this matter and they are willing to help me deliver this case to a federal court. If it is not too much to ask, please remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are reporting an erroneous debt on my credit file from XXXX. XXXX paid premiums for a policy that I was not eligible for. I have provided documentation to prove that I was not eligible and that I waived the benefit. In order to become eligible for the policy I have to write a letter asking for reinstatement which the company has not provided. I have provided documentation of me waiving the benefit and documentation stating that I was not eligible but XXXX continues to report every month. My check is currently being garnished but my score is not changing. Also, XXXX and Transunion is reporting incorrect debt to income ratio. Per the XXXX ' website I didn't meet the criteria for eligibility for the benefit of SGLI during the period that the charges were incurred.

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 2017-07-24
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I made contact with Credit bureau Systems inc on XXXX-17 and advised them they where reporting an invalidated account. They continues to attempt to collect on a account that is not mine in my state of Texas in which they are not licensed. I demand immediate removal from my credit report of I will sue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation