BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX is my name and I am a Federally Protected Consumer and I sent a letter to XXXX XXXX XXXX on XX/XX/2022 about this Illegal Repo. This vehicle was taken without my permission and that's auto theft. This is a direct violation of 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. I noticed that the furnisher failed to put a notice of dispute on this account. This is a direct violation of FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Also the account is filled with errors, inaccuracies, and falsely reporting. The account has failed to notate that this is a repo, it states that it is a charge-off and that is incorrect reporting. This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission. I disputed these inaccurate items over 35 days ago and they havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. I sent the letter because this is fraud and illegal to XXXX XXXX XXXX, XXXX, XXXX, and Equifax because I never received any documents. I was suppose to receive the Contract before the sale, Deficiency Documents, Redemption Documents, and Finance Documents. That's fraud and Illegal. I provided proof to XXXX, Equifax, and XXXX and they refused to correct information even after I provided proof. That's defamation and willful injury and grounds for litigation. This repo is Misleading and False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ). I look forward to your quick response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: WELLS FARGO & COMPANY
State: CA
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:
I submitted a dispute Through XXXX and they never got back to me. I submitted a complaint through Wells Fargo and they gave me a credit and they took it away.On XXXX I purchased tickets to celebrate my birthday for this concert and the concert was canceled with a day notice and Rescheduled to a further date in XX/XX/2022. Unfortunately I wont be in town during those dates so I wont be able to make it to the rescheduled concert. I Really hope you can help me fix this inconvenience.

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 2021-04-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank charged {$36.00} overdraft fee on account for me paying my electric bill, which unknowingly overdrew my account. 

DATE : XXXX XXXX Description : ELECTRONIC/ACH DEBIT WITHXXXX XXXX XXXX XXXX  XXXX XXXX Withdrawals : - {$88.00} Balance : - {$23.00} Description : OVERDRAFT ITEM FEE FOR ITEM {$88.00} WITHXXXX XXXX XXXX XXXX XXXX Withdrawals : - {$36.00} Balance : - {$59.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-04
Company: ERC
State: CA
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:
XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Reference : XXXX XXXX XXXX ; The above XXXX account was disputed with XXXX XXXX and closed in XX/XX/XXXX due to unreturned equipment. 

I contacted XXXX XXXX in XX/XX/XXXX and explained I had left a violent and potentially dangerous situation and could not return to that apartment to retrieve the equipment. However, I explained that they have a tech office 0.3 miles from the apartment and there were XXXX XXXX techs in the complex almost daily, so if they would send a tech to retrieve the equipment it would be surrendered without any incident or threat of any violence. My initial request to have the equipment returned was denied, as I was told " they don't pick up equipment. '' I requested an appeal with XXXX XXXX where I pleaded my case over a recording with a representative from XXXX. My recorded appeal was denied by XXXX and I was told they do not pick up equipment under any circumstances. Having no other alternatives, my account was closed and placed in a collections status as of XX/XX/XXXX, and I accepted the damage to my credit rating. 

But now in an apparent attempt to further damage my credit rating and extend/bypass the statute of limitations, XXXX XXXX and XXXX XXXX XXXX has fraudulently reported the debt as being closed TWO YEARS LATER in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2022, I paid my XXXX credit card down. On XX/XX/2022, the credit bureau reported an incorrect balance. I have tried to make contact to dispute this information and have been unsuccessful. I am requesting an investigation. I would like the correct balance to be corrected and updated to my report immediately.

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 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have written this company who is furnishing inaccurate information on my consumer report asked for it to be deleted due to unauthorized they told me all inquiries have been verified but did not give any supporting documents or provide with any proof of proper procedures. I also filed a complaint with the FTC complaint number is 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 2017-07-26
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
It was XXXX XXXX n he scammed me on PayPal he told me to pay fam n friends so he did n't have to pay fee n I did n he was selling a XXXX n he scammed me XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: ME
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:
I recently looked over my credit report and found a lot of unauthorized inquiries that I did not authorize. I contacted XXXX and tried to get them removed, but they did not remove them. I tried to explain, that if they looked at the dates you can clearly see that someone has breached my personal information. The pattern of dates shows that someone was trying their best to get something in my name. Some of these inquiries are even tied to open accounts and I'm left fighting these companies trying to get these negative items and inquiries removed. 
These are the unauthorized inquiries : XXXXXXXX XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX AUTO - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
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:
requested validation of items on my consumer report which is within my right to know exactly what is being used to report and instead of doing what was requested i was sent stall letters and no results ever followed i can fill out a complaint once a month and they are gon na still senf the CFPB the same generic response in order to not follow up with what needs to be done for consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2019-07-21
Company: Experian Information Solutions 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 was advised to reach out to you guys regarding two accounts on my credit that are not mine XXXX XXXX XXXX XXXX and XXXX XXXX. I have tried all I know to get this taken off and the attorney guy thats on the billboard in my building said he can help if need be after reaching out to you. There is also an inquiry XXXX XXXX XXXX on my credit and I dont know anything about that. I own my home so why would I need to rent anything thats the purpose of buying a house.

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 2021-07-16
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: Account information incorrect

Complaint:
I had received an inquiry from XXXX  on equifax. I immediately called XXXX when I saw it and they had no record of me. And I did not apply with them. It was XX/XX/2021 .So I disputed it immediately..it still shows on my report and the dispute is still open with Equifax. XXXX in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
REPEATED PHONE CALLS MULTIPLE TIMES A DAY, ACCORDING TO XXXX  MIDLAND FUNDING LLC ISN'T LEGAL AUTHORIZED TO CONDUCT BUSINESS IN THE STATE OF GEORGIA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29
Company: Southwest Credit Systems, L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest credit Systems has been harrasing me since XXXX of 2016. I sent Southwest a request for validation which they did not provide in the first 30 days as determined by the FCRA. They were removed from my XXXX and XXXX credit reports. They waited 2 months and put it back on my XXXX and on XXXX without any correspondence with me. They started with harrassing phone calls and they are ruining my credit worthiness. This is an unverified and unvalidated account. I had previously disputed this account. I have never done business with Southwest Credit. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I disputed the validity of the debt that Southwest Credit claims that I owe. I requested that Southwest Credit provide verification of the following : 1. The ORIGINAL Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether they purchased the debt, and if so, the amount paid for the debt. 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I requested that Southwest Credit Cease and Desist all further communications and collection activities and provide the verification of this supposed debt. I demanded that Southwest Credit remove any and all Tradelines that are reporting on my credit report with XXXX. Their response-they reported it to the other two credit bureaus. Ive sent them numerous letters and Ive called them several times. They have ignored my requests. I am extremely frustrated and upset in dealing with them as I have been dealing with them for a little more than 6 months. They are damaging my reputation and preventing me from being a reputable citizen considering my credit file is unnecessarily damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am having the same issues with Capital One, you closed my case without my permission. They had someone call from their executive office, I called back several times, they never responded!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!   They will not work with me to lower the monthly payments through this hardship!   I have no job, they refuse to budge. My accounts are in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: ALLIANT CREDIT UNION
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:
I have submitted six disputes since XX/XX/2019 and have not received credit for any of them, nor received any correspondence from Alliant subsequent to disputing the charges. I believe I have been illegally required to pay the charges under dispute as they were included in the statement balances. 

XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX {$10.00} Merchandise/ Service Not Received Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX.XXXX/XXXX  {$15.00} Invalid Amount Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX {$12.00} Merchandise/ Service Not Received Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX {$10.00} Merchandise/ Service Not Received Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX XXXX {$270.00} Merchandise/ Service Not Received Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX XXXX/XXXX  {$59.00} Credit Not Received Submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Multiple inaccurate information is being reported on all three of my credit reports from all three credit reporting companies. Example ; XXXX   reports collection amount as {$450.00} and XXXX reports the same account as {$0.00}. I have filed several disputes asking for the information to be removed that is inaccurate. Also there has been no proof of a signed contract for these collections on my credit report. No explanation of how it came back verified. I need to see original documentation from these collection agencies with signed contracts from me or they need to be removed immediately. It is 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 non-monetary relief
Consumer complaint received 2018-11-25
Company: AMERICAN EXPRESS COMPANY
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
The current balance doesnt match the charges. I might be getting charged double at the gas station.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Resurgent Capital Services L.P.
State: CT
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:
LVNV FUNDING LLC / XXXX XXXX XXXX XXXX XXXX  {$870.00} The account was settled and paid, but this remains on my credit report as a collection. 


XXXX XXXX  XXXX / XXXX XXXX   {$190.00} The account was paid in full, but this remains on my credit report as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2018, I submitted a response to the XXXX XXXX XXXX in regards to Case # XXXX against Wells Fargo Bank for Unauthorized accounts opened in my name four accounts without signatures and four with signatures along with unauthorized credit cards, Unauthorized Charges and Overdraft Charges. I also mentioned the discrimination of my Permanent XXXX. The following was my response to the mediation proposal : Quote, Case # XXXX Dear WFB/XXXX XXXX I object to the mediators order as wrong and not based on facts. 

I have requested the bank and credit card accounts and related documents from WFB several times prior to the mediation which are in your possession and withheld from me. The mediation order falsely states that I did not have the accounts numbers when WFB withheld them from me. WFB must disclose the account numbers to the mediator, correct its report and again I demand disclosure of them to me. The order is not based upon the facts alleged on the phone and in my emails to WFB including the fact that WFB caused exacerbation of my mental and physical XXXX. The mediator ignores my XXXX and condition and past, present and need for future medical care caused by WFB. I will also present other facts and damages when WFB releases the documents and evidence it is wrongly concealing from me. 

I am responding to a letter that I received from you by mail instructing me to contact you within 20 calendar days or the claim will be considered closed. I am Responding within the 20 days, for this case to remain open. 

I object to the Mediators order as wrong and not based on facts. 
unquote. 

I never received a response.

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 2019-09-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
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:
I am requesting assistance with issues with XXXX XXXX and Fair Collections & Outsourcing regarding a single family home I rented at XXXX XXXX XXXX XXXX., XXXX, California XXXX from XX/XX/XXXX to XX/XX/XXXX. Uploaded with this complaint are the following items for your review, and for which I am requesting assistance with : 1. XX/XX/XXXX letter from XXXX XXXX demanding payment of unlawful charges. 
2. XX/XX/XXXX letter from me to XXXX XXXX disputing the charges. 
3. XX/XX/XXXX letter from Fair Collections & Outsourcing, representing XXXX XXXX and demanding payment of the disputed charges. 
4. XX/XX/XXXX letter from me to Fair Collections & Outsourcing and XXXX XXXX demanding a response to my initial disputed letter of XX/XX/XXXX. 

All of the above items have been uploaded with this complaint. 

There are several bottom line issues here : ( 1 ) XXXX XXXX inspected the property without first providing notice to or the opportunity for me to be involved in the exiting walk through ; ( 2 ) there were no receipts or photos of the alleged claimed damages provided to me upon my request ; and ( 3 ) after the charges were disputed, XXXX XXXX disregarded my letter of dispute and sent the account directly to collections. 

I am requesting any assistance that you can provide. All of my contact information can be found on my letterhead in the attachments. My email address is XXXX. Thank you.

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