BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: Exeter Finance Corp.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Due to covid i was out of work for some time so i did ask for extension on my loan. As of right now my maturity date has come and Im still paying in this car. I called this company numerous of times to ask them for a a copy of the original lease and i have yet to receive it. One minute the company tells me Im paying until the loan is over then another person tells me to trade the car in. I tried to tease the car in but this company is reporting to the credit bureau as it being late but Im still making my payments on time. One person from Exeter finance says as long as Im paying on the car it wont go into repossession another pardon tells me thats a lie bc it will. At this point i think this company is trying to scam me bc they really will not let me keep paying on the car and they keep reporting it as it being late but i made payments on it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 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 non-monetary relief
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX ; XXXX # : XXXX, Account name : XXXX XXXX services ; XXXX # : XXXX, Account name : XXXX XXXX ; XXXX # : XXXX, Account name : XXXX XXXX ; XXXX # : XXXX, Account name : 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 an 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 or 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 data is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I DON`T RECOGNIZE THESE INQUIRIES, I HAVE NEVER APPLIED FOR THIS, I`M NOT RESPONSIBLE FOR THIS DEBT, WITH THESE COMPANIES, I HAVE NO AGREEMENTS OR CONTRACTS WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : BANKAMERICA XXXX Date Opened : XX/XX/06 Balance : {$0.00} XXXX. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2022-12-02
Company: EQUIFAX, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/23 we received notification that a wire had successfully been completed from our checking account. Upon receiving notification, we immediately contacted Wells Fargo and informed them we had not authorized any wire and that funds were not approved to be released from our account. This was initially handled via a phone call to Wells Fargo. After speaking with the representative, we then proceeded to the nearest Wells Fargo branch office. 

A review with a representative of the bank took place and we identified wires that were not authorized by us that were being taking from our account. Wires totaling approximately {$40000.00} were taken from our checking account. The representative of the bank immediately closed the checking account and stated they would look into the situation and get back to us. At this same time, the representative of the bank took the debit card of my husband, and stated she would proceed with shredding the card as the account was being closed. 

On XX/XX/23 Wells Fargo, proceeded to let another unauthorized wire be taken from our checking account, the account that was to have been closed. In addition to funds being taken, Wells Fargo has also charged us numerous wire fees for wires that we did not authorize. 

Now after 2-weeks of trying to address the situation with Wells Fargo ; asking them to review all transactions and having us complete paperwork to which we stated these were not authorized transactions by us, we have been informed by Wells Fargo we are out our money. Too sad so bad was the impression we were given. We have no advocate at the bank. No one to try and help us understand who at the bank would have allowed these transactions to be completed without our authorization. At no time as anyone at Wells Fargo provided any written documentation regarding their review and investigation into the situation. 

We are asking for help from the CFPB to review this situation and to help us understand how Wells Fargo can simply tell us that we our out {$40000.00} when we did not initiate or authorize funds to be transferred from our checking account.

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 2022-12-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX Fl XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1996 My only employer is XXXX XXXX XXXX XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: FIRST PORTFOLIO SERVICING INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is in clear violation of the law for furnishing an inaccurate collection account on my consumer report with an alleged debt of {$440.00} to REVVI XXXX XXXX XXXX on ( XX/XX/XXXX ). 
I have not given XXXX XXXX XXXX or REVVI XXXX XXXX XXXX written permission or authorization to report any information on my Credit Report and according to 15USC 1681 ( b ) Section 2 ; XXXX XXXX XXXX has no PERMISSIBLE PURPOSE by LAW to contact Third Parties with my private or personal, nonpublic information. Your offenses to reporting this alleged debt amount to AGGRAVATED IDENTITY THEFT pursuant to 18USC 1028 ( A ). You have knowingly transferred, possessed or used a means of identification of me without lawful authority which is a Felony punishable up to 2 years of imprisonment in addition to civil liability along with defamation of character. 
Under the New Rule REGULATION F which took effect on XX/XX/XXXX, by reporting this account and parking this alleged debt on my Consumer Report, you are violating the FDCPA & 10006.30a and its new rule XXXX XXXX XXXX must CEASE AND DESIST the reporting of this debt immediately or I will escalate this matter by taking Legal Action against your company for your willful noncompliance. 

15USC 1692 ( c ) c Ceasing Communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the Consumer with respect to such debt. 
I refuse to pay this alleged debt, CEASE AND DESIST all collections activity regarding this alleged debt and you must not report this alleged debt to any Third Party or Consumer Reporting Agency.

I am very certain that XXXX XXXX XXXX or REVVI XXXX XXXX can not provide me with an original signed consumer contract that gave permission to report this inaccurate information on my report and it is no other than UNLAWFUL for REVVI XXXX XXXX to sell my information to you a debt collector when I am the original creditor. ONLY I CAN VALIDATE THIS DEBT AND I DO NOT DELETE THIS ACCOUNT IMMEDIATELY OR YOU WILL BE LIABLE FOR YOUR UNLAWFUL ACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I called TD Bank via their online bank account verification phone line on Friday, XX/XX/XXXX at approximately XXXX to report a suspicious withdrawal/transaction in the amount of {$310.00} labeled service charge. 

I was on the line for approximately 30 minutes with both a Customer Service Representative & Manager, who stated that the amount that was UNEXPECTEDLY withdrawn from MY bank account, was regarding a Safety Deposit Box. At no time was I advised that the deposit box, was an old debt that my Ex-Husband and I opened sometime in XXXX. The manager advised that I contact the TD Bank local Branch, located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, where the safety box had been opened. Upon calling, I spoke with the Branch Manager, XXXX XXXX, who was ridiculously rude, condescending and when I explained that I am disabled, unable to come into the branch to further discuss this issue and how this debit affected my SSDI FIXED INCOME, XXXX XXXX, could not have been more demeaning when he rudely went on to tell me that because I still had an active bank account ( SINCE XXXX ) the debt was taken out from my account!!! 
After ending that pointless conversation, I called customer service support to report XXXX XXXX and demanded how something like this could happen with NO NOTICE! Interestingly, TD Bank, sent the notification to my old address ( XXXXXXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX ). I havent lived at this address since XXXX!!! I just CAN NOT believe that a branch manager wouldnt have verified my current address, etc., before carelessly deducting a debt from my account, simply because I still have an open account! 

Im demanding that the monies in the amount of {$310.00} be replaced IMMEDIATELY and addressed accordingly. My divorce decree states that any accounts/debts be paid by my Ex-Husband. 

I will entirely close my TD Bank account and my current safety deposit box as soon as possible and will deposit my money with a reputable/responsible institution. I also expect that formal employee action be taken with all parties involved!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX 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 2023-06-19
Company: Dankos Gordon & Tucker PC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX I moved into the XXXX XXXX XXXX and prior to closing or anytime thereafter I was not provided with a copy of my HOA guidelines. Nor I have I signed any guidelines in agreement with my HOA. Per Virginia state Real Estate law, the seller is responsible for providing a copy of the HOA bylaws prior to closing and they must be signed. If not, the sales transaction can be deemed as unlawful. 

In late XX/XX/XXXX, I received a notice indicating that my HOA dues were past due. I immediately sent a payment on XX/XX/XXXX for an amount of {$260.00}. As of today, XX/XX/XXXX, I received a letter from an attorney 's office of XXXX, XXXX and XXXX requesting a total amount of {$2600.00} ( {$2000.00} pro-rated HOA dues, {$520.00} attorney fees and an interest rate of 18 % ). I was advised that as part of the HOA bylaws the pro-rated amount for HOA dues can be requested. At no prior point was I made or aware or agreed to those terms as I never received a copy of my HOA by-laws which would detail this information. 

As a result, I do not think the terms of this collection notice is legal, and I would like this investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have filed numerous complaints that it has been fraud on my credit. I spoke with XXXX, TransUnion XXXX XXXX Periodically from XXXX to XXXX. 

I spoke with XXXX first she assured me that it was indeed fraud & that everything would be removed from credit report within XXXX XXXX. So far the inquiries have been removed but not the fraudulent collections that are being falsely reported on my name. 

I spoke with XXXX next & everything was disputed & she assured me everything will be off in a week. 


I noticed that there are a lot of inaccuracies as well that are being reported on my behalf which is false & against the law. 

I lastly spoke with TransUnion & disputed everything as well & they told me everything would be off in XXXX hours. I have really been starting to look into credit & make sure everything looks ok. I have sent them numerous letters for months trying to get everything removed. I have yet to see any action being taken. Ive explained how they are in violation of FCRA codes as well. Please advise me on next steps. I would like to get this matter resolved ASAP. 



XXXX XXXX. 
XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} XXXX inquiries Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
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: Account information incorrect

Complaint:
I sent Equifax XXXX asking them to stop committing fraud by reporting inaccurate information from the companies that has also been reporting fraud and to keep my account accurate by deleting them item they then sent me a letter saying I have not applied for credit recently I have no credit activity in the past 10 years and I have not lived in the united state or have not been giving a u.s social security number so if this is true based on there saying why do I have a Equifax credit score and credit report

Company response to consumer: Closed with explanation