BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-05
Company: Autovest, L.L.C.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX 2017 Autovest, LLC delivered an affidavit for garnishment to a training center that I work out of. I 'm an XXXX XXXX XXXX on XXXX full commissions contract with the company, so I travel a lot. When the forms were delivered by the Sheriff, I was out of town and the Office Manager signed for the documents, which validated the debt, by law she had to send it to the corporate office. While I was away I noticed that my commissions were short. When calling the home office to find out I discovered that this company was garnishing my checks. I was livid because, I never heard of this company before. And surprisingly, this company IS NOT even on my credit report. I contacted XXXX XXXX XXXX, the attorney 's that processed the order on behalf of Autovest, and they refused to give me any information. I then XXXX  Autovest, LLC and they refused to give me information and directed me back to the law firm. Getting frustrated. I contacted my attorney through XXXX XXXX to seek guidance. They instructed me to go to the court and get original debt documents. Well, the county that issued the court order did not have the original documents, it was sent to them as a foreign judgement from XXXX County, IN. So the XXXX XXXX  representative referred me to an law firm in XXXX county, they told me that because the debt was so old, it was out of jurisdiction for dispute and the only thing I can do is file bankruptcy. Well, filing bankruptcy, would bed pointless, because this debt is not on my credit report! So still I had no idea who the original creditor was, and was finally directed to the XXXX County Records company. There, I was able to get a copy of the original application, which was purchased from some car company called XXXX XXXX, with my name, d.o.b., etc. But I 've NEVER owned a XXXX and never lived at the address that 's on the application. The signature is definitely forged, and it does not have a Picture ID attached to the application. This has been so frustrating, because I 'm still being garnished out of my commissions for a debt that DEFINITELY DOES NOT belong to me. I 'm not yelling at you guys. I 'm just in need of serious help. I 'm exhausting all my options here. And its just not fair.

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 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
many accounts not mine, many addresses that do not belong to me. names on my report that do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked ARS for a debt verification certified mail with return receipt and they resent me the same information without proof the debt was mine. I sent a second verification letter and they resent me the same information no change. I decided to file a case with the XXXX XXXX XXXX and they sided with me. I sent this information to ARS and they resent me the same information. I will now forward a cease and desist letter to them as well as a report to the consumer financial protection bureau.

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 2022-08-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX ,  2017  a collection was reported on my Credit by Kings Credit Services  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  That was never my Debt, I have never been to the medical facility. I belong to  XXXX  for the last 10 years. My Credit is Excellent and this company should be held accountable for its negligent reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX did an unauthorized hard credit check on me without my knowledge, as i have found out since that they do so often that they usually have an open class action lawsuit against them for it. I called XXXX telling them to remove it. They said that i had to dispute it with XXXX XXXX or some other website with a Transunion credit report since thats the one that participates in their unseemly, unethical behavior. I have reported it 2 times with XXXX XXXX with no response or investigation to either request that i have been told about. Of course there is no way to contact Transunion, that i have ever seen published, unless it to buy a product. I have been dealing with this for 2 months with only an oh well response from XXXX and my credit score went down 15 points because of this. Unacceptable from XXXX, Transunion and 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 2022-04-29
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been a victim of identity theft, I currently have a fbi working with me. XXXX suspects opened and charged high amounts on a lot of credit cards. XXXX of those being XXXX accounts with elan financial services XXXX and XXXX. Please advise Elan to remove the charges and accounts from my reports please.

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 2022-01-05
Company: ENOVA INTERNATIONAL, INC.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I originated a credit limit advance with this company fir XXXX after calling and inquiring which charged less interest a cash advance or a personal loan, the employee told me cash advance, afterhaving them auto debit the payments and seeing the balance was going up not down i called in XXXX and cancelled all auto payments and asked for a settlement on the account, i was contacted by a person who claimed she was on the resolution team, she assured me no more payments were achefuled although i see them when i log into my account scheduled and said the type of loan i have there is nothing they can do to help me, this morning i woke up to have an email from netcredit saying thank u for your payment, they took another payment without my aithorization and another one scheduled for the XXXX that the website does not let me delete

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/XXXX i submitted a dispute to ALL three credit bureaus. Experian, XXXX and XXXX. My dispute was simple. I felt that my hippa rights were violated. A third party agency has my medical information and i am SURE i have NEVER given anyone permission to release my information. I explained to all three bureaus that this was NOT a dispute and i was demanding proof of a medical release form or remove these accounts. I was not asking for verification or validation of any debts. Experian removed all these accounts. Somehow ALL these accounts came back about 2 months ago without me being notified. I then sent in ANOTHER dispute and experian hits me with a frivolous " fraud dispute letter '' mind you i wrote this letter out AND signed it. I sent another letter, still no reply. Experian needs to remove these accounts or they 'll see me in court for one re-inserting items back on my credit report without my knowledge for two FAILING to dispute the inaccuracies thaf i found on my credit report. 
XXXX ALSO removed and re-inserted accounts. Everytime i redispute them i NEVER hear back from them. 
XXXX replied that the accounts were VERIFIED. I clearly did not dispute these accounts. I want a medical release form from these collection agencies or i want these accounts removed ASAP!!! 
My personal and medical rights have been violated. I will protect my rights even if it means going to court. I will not stand for this. The following MEDICAL accounts need to be removed IMMEDIATELY XXXX ( multiple accounts ) XXXX  XXXX ( multiple accounts ) XXXX ( multiple accounts ) XXXX XXXX XXXX DOES N'T SHOW THE NAMES OF THE COLLECTION AGENCIES BUT ACCOUNT NUMBERS. THEY ARE STILL THE SAME. I AM GIVING THESE CREDIT BUREAUS 15 DAYS TO ADHERE TO THE LAWS OR I WILL BE FILING A LAW SUIT!!!!!!

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 2020-04-23
Company: American Credit Acceptance, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
This company completely takes advantage of minority customers. The interests rates are extremely high and they completely refuse to offer refinancing or lowering the interest rates even after making on time payments. I've called and asked several times during the months of XXXX and XX/XX/2020 to try and get help with this loan so that I can continue to make on time payments and not be ripped off by the interest. They refuse to help in any way. My financial situation has changed due to the COVID-19 situation and American Credit Acceptance has told me that they can not do anything to help. This is unbelievable!! I can't help from other lenders to refinance because I've been told that ACC has over charged me for this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
i n 2010 someo ne filed a bankruptcy in my name not sure but believe it was my ex-husband from a nasty divorce my credit is perfect and I had no need to file a Bankruptcy.   FCR A 603 ( o ) ( 5 ) ( A ) ( i ; iii ) This has  to be remove

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 2017-09-27
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a temporary forebearance while on maternity leave under the Family Medical Leave Act. My XXXX leave is unpaid leave during this time. My forebearance was denied due to " lack of income ''. I am not unemployed! I just had a XXXX!!! To date, I am behind on my mortgage payments and sought relief from Wells Fargo. Instead of providing assistance, they are harassing me constantly. I receive incessant phone calls 12-16 hours a day. These phone calls are non-stop, aggressive debt collection calls. The harassment has escalated to Wells Fargo hiring an outside company to leave notes on my front door. The note says to call your mortgage processor. Wells Fargo threatens foreclosure when I am 1-2 payments behind. It was my understanding that foreclosure takes place once the account is 120 days past due. I am tired of the non-stop harassment and bullying from Wells Fargo. 

I also noticed that my account is being charged a non-sufficient fund fee of {$15.00} and a shortage fee of {$9.00}. I do n't know how this is being factored into the amount due to bring the account current. The account has been paid with cash. I do n't know how often my account is being charged these fees.

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 2021-06-15
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Pursuant to the FCRA, as a consumer, I would say accuracy is the measure of value ; value is something only a natural person or human being can measure. Fair to me means no one is taking unjust advantage of another. In summary, my thesis is when congress talks about accuracy and fairness, theyre asking me as a consumer to decide whether my consumer report is valuable to me ; and whether I feel like I am receiving a just advantage or no one is taking unjust advantage against me. I have reasons to convict Navy Federal Credit Union of taking unjust advantage against me on XX/XX/2021. The most important thing about the adverse action section in the Fair Credit Reporting Act is that it never mentions a denial of credit. It only mentions being denied for insurance or employment. Why doesnt it mention being denied for credit? The answer is in Truth In Lending Act. Let me explain. I know there was a finance charge involved in the transaction which is the sum of all charges. I can not be denied credit because I know that I have an open end credit plan, which I administered and extend/originate myself credit to make them a creditor to extend me my own credit. I am the consumer and only a natural person grant such rights. This is why adverse action does not mention being denied for credit because Congress knows the truth, financial institutions dont loan money because there hasnt been any in circulation since 1933.

According to 15 USC 1681m ( C ) ( ii ) ( I ) Information referred to in subparagraph ( A ) - does not include- information solely as transactions or experiences between the consumer and the person furnishing the information. They are found to be in violation labeled exhibit A. This is not a request, I am granted the right to credit under my open end credit plan which I am administering. I am giving my command to increase the credit limit on my XXXX card. 

Best regards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I had XXXX XXXX for internet/cable service. Part of the service included a tablet that was given to me for having the service. The tablet needed repairs and I called XXXX for service. The advised that they would send a return envelope. At the same time XXXX sent me a return package for the equipment I had since I was ending service with them. I inadvertently sent the tablet to XXXX. I called XXXX immediately when I saw that I made the error and was transferred around to several people who were of no help. I finally spoke to a manager who stated that anything sent to them is listed as equipment and there was no way to find it. I told him what was sent and I have the return receipt and where it was sent. He said that they are not going to send anyone in the warehouse to look for it. I stated that I still have the actual equipment and he told me that it was of no use to them. Since then they have dinged my credit report for the price of the equipment that they would not allow me to return but somehow managed to keep my tablet. I want it back.

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 2017-09-27
Company: Experian Information Solutions Inc.
State: OH
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:
These all inquiries I am not aware of. 1.XXXX XXXX XX/XX/XXXX. 2.XXXX XX/XX/XXXX. 3.XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 4.XXXX XXXX XXXX XX/XX/XXXX. 5.XXXX XXXX for XX/XX/XXXX. 6.XXXX XX/XX/XXXX. 7.XXXX XX/XX/XXXX. 8.XXXX XXXX XXXX XX/XX/XXXX. 9.XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. 10.XXXX XXXX XXXX XX/XX/XXXX. 11.XXXX XXXX XXXX XXXX XX/XX/XXXX. 12.XXXX XXXX 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 2021-02-20
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XXXX  data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Credit Protection Association, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Filed complaint XXXX. The Company in question responded. Response was not factual yet the notice from CFPB was that the complaint was closed. Really? The company just has to file any response with CFPB and you close the case regardless of violations of the law?

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 2017-09-27
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX/XXXX/XXXX SUNTRUST, my bank took out an overdraft charge when I had sufficient funds in the account for the purchase in question. I had {$53.00} in the account and I made a purchase of {$41.00} and the bank applied a {$36.00} overdraft fee for that transaction. Had that overdraft fee not been applied unwarrantedly then my next purchase that cleared for {$10.00} would not have taken me into the negative either because I had {$11.00} in the account still. I DID overdraft the account at that point. I had not realized that I was in the negative and made an XXXX XXXX purchase which I over drafted for and since then they have charged me two more overdraft fees for a grand total of a negative balance of - {$110.00}. I do not understand why i was charged the initial overdraft when there was clearly enough money in the account to cover it. Also, I have never heard of an extended overdraft fee and I have been charged an ADDITIONAL {$36.00} for not bringing my account balance to XXXX within 5 days. Last I checked most of middle class and poor Americans like myself get paid every two weeks. And how can a bank punish someone further for not getting their account back to XXXX QUICK enough?

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