BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
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 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed. 

Because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, OR XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: DISCOVER BANK
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Since recently finding out I am a victim of identity theft, I personally went into the bank to change my account number and added an additional password ( for security ), which I witnessed them ( accurately ) typing into the computer. On XXXX XXXX, 2015, I contacted Wells Fargo, via telephone, with a question about my checking account. At the time of said call, I was told my personal password was incorrect and I could not be verified. I immediately went to the bank, waited over XXXX mins to speak with the proper person, who then informed me my password was changed by XXXX letter. I never authorized this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: OK
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
It was an insurance claim which they paid, and I continue to get threatening letters, calling the dentist several times and well as AmerAssit A/R solutions. Both XXXX are at fault and I am the victim. What even worse I am in the middle of escrow so this potentially could hurt me buying a my house. Please help

Company response to consumer: Closed
Consumer complaint received 2015-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Went to check my balance on my account and noticed that there were XXXX transactions for a XXXX loan for {$94.00}. Check with the XXXX account hold to see if he made the payment and he said no. Call customer service to see if they can figure out what 's going on. Spoke with a customer service rep named XXXX .that told me I had to file a complaint with collection fraud. She transferred me over to XXXX that he could see it. But started to tell me about the other transactions on my account like my transfers. from my savings to.checking in which the days do n't add up from when I transferred money over. Then he told me there was no XXXX payment for {$94.00}. I told him yes there is or I wo n't be calling your company. And another thing he asked me for a verbal passwordthat I do n't remember doing. Please help this is the second time I am trying to like this bank but the more I stay the more problems I am having.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-07
Company: WELLS FARGO & COMPANY
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I consolidated a previous loan I had so I could get a lower interest rate. When they paid off the original loan they typed in the wrong amount and it ended up leaving a balance on the original loan. I had received a letter in the mail telling me they had to reopen the original account because there was a balance due. This happened in XXXX 2014. When I brought it to my bankers attention he said he would look into it. My calls were being ignored and I kept getting the run around. When he found out what happened he told me I would have to pay the balance off and I said no I was n't because it was their error not mine. This is still not settled and has been going on since XXXX. I also filed a complaint with the XXXX in XXXX. I recently sent documentation with my last response that showed it was their error. They still insist I am in the wrong which I am not.he new loan was set up with auto pay. My payments have been on time with sufficient funds to cover each payment. 
On XXXX XXXX I had more than enough in that account to cover the payment but they only took a partial amount on then XXXX and said I had insufficient funds. From that point on it has been a nightmare. This is causing me great frustration and stress. 

If there is anything you can do to help me I would be so greatful. 

Please contact me if you need anymore information. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-02-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have Wells Fargo Visa Credit Card for around two ( 2 ) years, since the beginning I transferred an amount to not interest program for 12 month, I took the entire 12 month to pay it off, right after that I stop to use this credit card in order to keep in good standing my credit scores from my bureau of credit, today XXXX/XXXX/2016 I have received a letter from Wells Fargo Bank telling me that my account was closed because I have not activity for more than six ( 6 ) month, I believe be notified before to close the account just to give me the opportunity to use this credit card in order to prevent to be account close, will be the best way from Wells Fargo bank to show any respect for a client and do not be a XXXX against XXXX, I called them and they told me, they can not do anything for me, now I have my credit report affected because their decision to close my account, I am very frustrate because when you try to find the best way to solve this situation, you have a Giant telling you, '' I do what I want to do, you really do not count ", please help me in this unfair situation, Thank you, if you need more information just contact to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EQUIFAXXXXX XXXXACCOUNT SHOWING COLLECTION/ CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX lied and told me they offer internet services at my apartment in order to obtain permission to view my credit information. They do not offer internet, only telephone services, and no cable in my area and yet they still tell consumers they can receive their services before they request all your personal information. I tried to remove the fraudulently obtained permission from my credit report, which includes XXXX fraudulently obtained permissions to which XXXX hard credit inquiries are on my credit and affecting my score. XXXX refuses to correct the issue even though XXXX representatives lie in order to obtain sensitive personal information. XXXX will lie to you to obtain personal information and use it for their benefit because they will not correct their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Earlier this year, I opened a Walgreens Mastercard. I was told that I would get all sorts of money back on my purchases. I made a single purchase in the amount of {$54.00} and some odd cents. I never received a plastic Mastercard in the mail. I didn't see a contract when I applied. A clerk at the XXXX made the application for me. Unbeknownst to me, the card was issued by Synchrony Bank. I wouldn't have gotten the card if I had known that. At some point, I got a bill for the Mastercard for the {$54.00} and some odd cents. In the interval between getting the bill and paying it, my mother died. I had to make funeral arrangements and also care for my elderly father, who was married to my mother for 67 years. When I returned, my husband gave me the bill and I did a telephone payment to Synchrony Bank for {$55.00} even. I figured I would get a bill from Synchrony for whatever finance charges are appropriate on {$54.00}. I never did get another bill from Synchrony. 

Today my husband got a telephone call from Synchrony Bank stating that I owed them {$110.00} and I was in default or something. I knew I had only used the card once and that couldn't possibly be right. I called the Synchrony Bank number I found on the internet and a customer representative told me that Synchrony had been charging me late fees every month. ( Bear in mind that there was no principal left on the card! ) I told her I wanted the account closed immediately. She kept badgering me to keep the account open and said that, before she would close the account, she had to read me a statement. I told her no, I wasn't going to listen to any statement and that she needed to close the account IMMEDIATELY. I hung up. I seriously doubt Synchrony closed the account. I'm sure it is Synchrony 's intention to continue to rack up fees every month.

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 2017-01-25
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
i have been with this company i realy loved their customer service until i feel on hard times they keep reporting me we sent them hardship letters to no avail

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 2015-04-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a XXXX XXXX person and has put my life in serious jeopardy. I filed a complaint with my XXXX and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me. 
Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. 
Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX/XXXX debt. It is being reported as settled. This company has not provided for me validation of the debt and the CRA 's have continued to report this information on my credit file without the furnisher of the information validating it 's authenticity that I, XXXX XXXX owes any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 'm submitting a complaint against all XXXX bureaus ( individually ) due to the failure to investigate and process my disputes. I have notified them that the information that they are reporting on my file is not correct and I have yet to see more than XXXX updates in the past 5 months. This is absolutely ridiculous and they are a farce of a company just pulling in money for reporting inaccurate information. I require a full investigation and for the information that I have disputed with them to be processed, updated or removed within the 30 day time period or I will have no choice but to make a complaint with the Texas Attorney General as well as make a press release that details how they have failed to investigate my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted Equifax many different times to dispute this unknown account that is reporting on my credit file. Acct # XXXX. For some reason, it is still reporting. I sent them a Fraud Affidavit and the account is still reporting. I need your assistance in getting this account removed from my credit file. Apparently, Equifax have no regards for the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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 is a transaction on my credit card statement posted on XX/XX/2022 from XXXX & XXXX XXXX for the amount of {$1600.00}. I have returned this purchase and it was delivered back to the merchant on XX/XX/2022 ( XXXX tracking XXXX ), yet I have been unable to receive a refund from XXXX & XXXX XXXX. For this reason, I need this transaction disputed and {$1600.00} credited back to my BMO Harris credit card. I have tried to initiate the dispute online on BMO Harris banking portal but it seems to be impossible to do so. I have also tried calling XXXX to reach BMO Harris credit card dispute department, but it seems like I am being kept on hold forever and nobody ever picks up the call despite a long wait no matter what time of the day I'm calling.

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 2016-06-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Hi, I " Bought Out '' My lease from Toyota Finance about 2 months ago. Toyota then sent me a copy of my title, which had a section on the back filled out incorrectly ( The Agent that was filling this out, stamped the " tax '' section with an incorrect number, and then wrote over the number with the correct number ) When I took this to the NJ DMV, they rejected it because they claimed that no numbers can be scratched out or altered. They however stated that the Tax Stamp could be correctly reapplied to the front of the document and that a new Title was not required in this situation. I figured, " no worries, mistakes happen '' and sent this back to Toyota Financing informing them of what the DMV Manager stated, and specifically stated that Toyota Need Not send a new Title, but correct the mistake. Toyota however, completely ignored my message and shredded my title, ordering a new one from the DMV. This process has taken over 5 weeks and no communication has been made from Toyota as to when I can expect this new Title to get mailed to me or what the status is. When I call, they can not give me an update. XXXX XXXX ( The New Lender Who Bought the Loan ) is stating now that I am in violation of the terms of the loan agreement since the Title information has not been updated to reflect them as the new accountholder, and to update this ASAP. Toyota really dropped the ball on this one, and I am now requesting the CFPB step in and ensure that a new title was actually ordered by Toyota, and get an exact delivery date for this new Title.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates doubled the charge off balance from a charged off XXXX XXXX XXXX. I have attached a copy of what it shows on my credit bureau reports. Also, they have called my parents ( I am XXXX and they are not authorized in any way to discuss nor use this account ) and numerous times, threatening to have me arrested if they do not pay or they want to serve legal papers but they can be stopped if someone pays. I also have about 18 calls from PRA from the last two weeks indicating they are some bogus litigation dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Reporting absolutely accurate personal information from multiple sites, Tried different addresses for time frames, formats, comma 's, hyphens, Equifax ( who I used to pay, and they had no problem then ), XXXX, and the " infotainment '' site XXXX, will authorize me without writing in with a copy of my drivers license ( for all the world to see ). As I prefer not to put out my FL high security D.L. is their any other method, or is that their way of getting me to pay for what they advertise is free? I 've double and triple checked everything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax shows XXXX accounts as " late '' or " delinquent ''. All XXXX of these accounts were subject to a bankruptcy processing of XXXX 2013. I have asked for numerous investigations by Equifax , but they refuse to remove or correct the information. Equifax currently refuses to reinvestigate the information, as they say they have already investigated my complaint and/or they say they have verified the information with the data furnisher. This is all despite the fact that I have furnished Equifax with all of the paperwork from the bankruptcy proceeding, which shows that I can not possibly own anything on these accounts, and they should have been showed " closed '', with " XXXX '' balance as of XXXX 2013. These accounts can not legally be shown as late or delinquent, as this is not a legal condition possible at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I contacted Equifax around XXXX XXXX because I had not received a response back from the alleged creditor. So I was disputing this inaccurate information pursuant U.S.C sec 1692g XXXX b ) : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

I called Equifax on XXXX/XXXX/2015 and spoke with XXXX. When I contacted the CRA they refused to remove the information and stated that I did not have the right to validate the debt because I was not the CRA which is not correct by law.

Company response to consumer: Closed with explanation