BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: CA
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA I demand the following inquiries be deleted immediately : XXXX on XX/XX/2022 XXXX XXXX on XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Reporting company used your report improperly

Complaint:
The creditor both failed to make any appropriate corrections to the account of the obligor as requited by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( i ) and failed to conduct a reasonable investigation of the billing error, within XXXX complete billing cycles of the consumer after receipt of the billing error notice reported XX/XX/20, as required by 15 U.S.C.

1666 ( a ) ( 3 ) ( B ) ( ii ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: CREDICO. INC
State: SD
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
The options above do not really describe my situation fully so I chose the best option. 
The CCB does not have the correct address for me on file. They continued to deliver mail related to the matter to a family member 's house and other times had someone serve me papers at my employment. They knew I did not live there but made no attempt to get a correct address, therefore incurring more fees for a process server, and making it difficult to follow what was going on with the case. I would get served, but other times, important letters would go to a different address. 
I am a single mother and I receive no child support from the other party. I am responsible for all monthly expenses, daycare costs, preschool costs etc.. with XXXX income. I incurred some medical bills that I just could not afford and therefore the collection company was involved. These medical bills were incurred XXXX. 
I was served with the judgment and when I tried to work something out with CCB they were just downright nasty to me. 
The first time I called them, the amount to satisfy judgment was XXXX. I asked if there was any negotiation or to work out a settlement as I wanted to take responsibility and pay this in full. 
The next day when I called them to follow up, the amount to satisfy judgment was now over XXXX. Later that same day it was back down to XXXX but then they were going to add process server fees to the amount. They knew that I had the amount of cash that was stated in the judgment papers in hand to resolve the matter and refused to work with me. They would not lower the interest rate to make the amount more manageable. They have been very rude and difficult to work with and basically have given me less than XXXX hours to get the judgment paid in full and get the papers to my place of employment to stop the judgment before it hits payroll at my job. 
I am requesting a refund of the interest that was charged in the amount of {$420.00}. These people screamed at me on the phone, hung up on me, when all I was trying to do was find out if they would lower the amount just a little and work with me. And they refused..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX child support enf Ag/N acct # XXXX, XXXX acct XXXX XXXX, XXXX 120 day late payment has violated my rights. 

1

5 U.S.C. 1681 section 602A. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: AZ
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:
The following unauthorized inquiries are not mines and was not authorized by me, this inquiries are fraudulent and I'm requesting that they be removed immediately. 

1 ) XXXX XXXX XXXX XXXX ( XXXX ) 2 ) XXXX XXXX XXXX  XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX ( XXXX ; ) 5 ) XXXX XXXX (XX/XX/XXXX ) 6 ) XXXX XXXX XXXX  ( XXXX ) 7 ) XXXX  XXXX (XX/XX/XXXX ) 8 ) XXXX  XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX  XXXX XXXX ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX XXXXXXXX (XX/XX/XXXX ) 12 ) XXXX  XXXX XXXX ( XXXX ) 13 ) XXXX XXXX  ( XXXX ) 14 ) XXXX  ( XXXX ) 15 ) 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 2015-04-14
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Delinquent account

Complaint:
this account was to be deleted from my credit report as charges was unauthorized and today XX/XX/XXXX still showing on my credit report XXXX XXXX I was told than in less than one month charges were to be deleted from the credit bureaussynchrony bank/lowesSYNCHRONY BANK/LOWESXXXX .... 
{$2300.00} as of XX/XX/XXXXClosed. {$2300.00} written off. {$550.00} past due as of XX/XX/XXXX 



XXXX XXXX XXXX FL XXXX XXXX XXXXAddress identification numberXXXXSold toXXXXTypeCharge CardTermsNACredit limit or original amountNot reportedHigh balance $ XXXX payment $ XXXXRecent payment $ XXXXDate of XX/XX/XXXX XX/XX/XXXX 's statementPurchased by another lender. 
Reinvestigation informationThis item was updated from our processing of your dispute in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: World Omni Financial Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I LEASED A XXXX  XXXX XXXX THROUGH SOUTHEAST TOYOTA FINANCE ( SETF ). AT LEASE END SETF REFUSED TO PERFORM THE REQUIRED INSPECTION AT MY HOME DUE TO XXXX AND REPEATEDLY REFUSED MY REQUESTS TO BE PRESENT AT THE INSPECTION. THE INSPECTION WAS THOROUGHLY UNSATISFACTORY. I DOCUMENTED THESE PROBLEMS, BUT SETF REPEATEDLY IGNORED THE CONTENT OF MY LETTERS. I AM ATTACHING FIVE DOCUMENTS WHICH DETAIL THE INCOMPETENCE OF THE INSPECTION AND OTHER ASPECTS OF THEIR DEPLORABLE BUSINESS PRACTICES. I PAID THE CHARGES I BELIEVED WERE JUSTIFIED. SETF RESPONDED BY CONTINUING TO BILL FOR THE UNSATISFACTORY CHARGES WHILE NEVER ADDRESSING THE SPECIFIC INSPECTION REPORT ERRORS. SETF FINALLY DECIDED TO CHARGE OFF THE DISPUTED CHARGES, BUT DID IT IN A WAY WHICH DAMAGED MY AND MY WIFE XXXX 'S CREDIT RATING. THEIR INCOMPETENCE AND UNFAIR BUSINESS PRACTICES SHOULD NOT BE PERMITTED TO DAMAGE MY CREDIT RATING. I BELIEVE I FULLY AND FAIRLY MET MY OBLIGATIONS TO THEM AS I HAD DONE WITH THREE PRIOR LEASES WITH THEM. THEY RESPONDED BY IGNORING ME AND DAMAGING MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: KY
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 have disputed the inaccurate reportings with XXXX, Experian, and XXXX several times to no avail. The following names are incorrect and do not belong to me XXXX XXXX, XXXX XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following accounts do not belong to me and should be removed from my credit file XXXX XXXX XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/2020, Experian is reporting an opened date of XX/XX/2020, XXXX is not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2016-09-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Yesterday, we loaded XXXX for XXXX. We used the feature to download account information and transactions from Wells Fargo Bank, which worked well. Then we received an email from Wells Fargo saying our account would be charged for the download service. We had no idea that there would be a fee, given how quickly and easily we clicked buttons to perform the automatic, electronic accounting, during which no fee opt-ins were generated. So we called Wells Fargo today and said we did not want to use the service or be charged for it. The call center lady transferred us to the XXXX specialist, who said there was another way to download the data via XXXX servers, at no charge. The XXXX specialist walked us through the setup, which required precisely the same steps we originally used. We asked what she did on her side to now make the service free. She said that she had not changed anything. We thanked her for making the service free, and asked whether the call was recorded. She said it was. We then requested that she print the transcript and send it up the Wells Fargo chain, since they 've recently been slammed for setting up XXXX unauthorized credit card users, with a penalty of XXXX. If Wells Fargo wants to be successful at bait and switch, at least they need to learn how to do it right. Seems they are getting fatter and happier, knowing they are too big to jail.

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 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was a victim of I.d . theft and after notifying XXXX it was investigated and supposedly late charges/payments were to be removed from credit reporting immediately and it was not. Please remove all late payments from closed account and immediately report accurately to all credit bureaus and furnishes of credit reporting.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Dear TransUnion today is XX/XX/XXXX, I disputed by certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the public records bankruptcy with the case number XXXX, date filed XX/XX/XXXX, because you are reporting false information on my credit report because this bankruptcy does not belong to me, and it belongs to someone else so please delete or remove this bankruptcy. 

Also, when you responded to me with no explanation about the investigation results on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the results : ( UPDATED NOT SPECIFIED ) so how did you verify this bankruptcy so please delete this false information on my credit report because you did not investigate or verified any of my disputes and you did not send me any proofs, so please delete or remove this bankruptcy immediately. 
The rule of XXXX says you don't have any of the Information so how can you say this bankruptcy is mine according to the rule XXXX must remove or delete this bankruptcy immediately. The law 15 U.S. Code 1681c Identity theft prevention ; fraud and section 611 ( 1681i ) requires you to do an investigation.

You are reporting false information on me because this bankruptcy is not mine. After all, you can not have my name, my full social security number, or my full date of birth to verify public records, therefore I will be attaching my Social Security Card to verify my first and last name.

I attached 6 supporting documents including my identification and the US postal service tracking numbers certified mail numbers please check.

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 2022-04-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Names and addresses and also work places and phone numbers show up on my credit report that do not belong to me. Please removed these list of names, addresses, phone numbers, and employment from my credit report. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX XXXX Way XXXX Silver XXXX Md XXXX XXXX XXXX Ct XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and 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 2015-11-25
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Collection agency reported to XXXX on XX/XX/XXXX a " closed '' collection account with a balance of {$19.00} that was opened with their collection agency on XX/XX/XXXX 

I received no dunning notice from the collection agency. 

Section XX/XX/XXXX of the Fair Debt Collection Practices Act says collectors must provide notice to consumers within five days of the initial communication regarding the debt, stating the amount of the debt, the name of the current creditor, and explaining the consumer 's right to dispute the debt and to obtain verification. 

Failure to send a XX/XX/XXXX notice, is a violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: Pendrick Capital Partners Holding, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reported this item to my credit report, i never new about this debt., nor is this debt mine, i have no knowledge of this amoit and account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I reported a valid fraudulent charge claim to SunTrust Bank on XXXX immediately after being notified about charges and declined a {$12000.00} charge by text alert. 

I reported the 3 charges totaling {$7500.00} that were completed, but the claim was denied to unexplained inconsistencies ( despite supplying a police report. 

The XXXX XXXX sheriffs office told me that SunTrust also rejected paying the merchant due to dial g to verify ID, effectively stealing {$7500.00} from me. 

I was given a rebuttal form and told that the remedy could take 45 days. This is absolutely unacceptable.

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 2016-01-07
Company: WELLS FARGO & COMPANY
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
XXXX of XXXX I signed a promissory note for a student loan with Wells Fargo. The loan refinanced a student loan I took out to attend XXXX University. When the loan was made I elected online delivery preferences for statements and notices. I received notices each month as expected through XXXX. When I logged-in XXXX XXXX, I noticed that all billing statements were missing for XXXX XXXX - XXXX XXXX. I messaged Wells Fargo, spoke to a customer service representative and a supervisor in order to track down the missing statements. I was told that the statements were not generated and were not historically available. The lack of billing statements hinders my ability to keep track of my loan. I setup direct deposit and online statements so that my time would be freed up to do other things, like work to pay off the loan. Wells Fargo states that the billing statements were not generated because they received a returned piece of mail, but it 's not clear why that should impact online billing statements -- I have n't experienced this with any other lender. I elect online statements that reduce Wells Fargo 's printing and mailing costs, but they 're not holding up their side of the bargain by making all of my statements available online. Please help. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: NCB Management Services Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I spoke with XXXX XXXX. He transferred me to his supervisor, XXXX. I explained my situation. I needed the agreement to state when the debt was paid, the company would delete the trade line from my credit. He refused to put this in the letter. He stated their attorneys would not allow this verbiage to be used. No matter how many times I asked, begged and pleaded with him. He refused to add these words to the document. So, if I paid this off, it could still be on my credit and they wouldnt remove it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Resurgent Capital Services L.P.
State: PA
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:
1 ) On XX/XX/XXXX I made an agreement with XXXX XXXX ( XXXX XXXX ) to settle my debt for 60 % of the total owed, which equaled {$1400.00}. 
2 ) Payment was made by certified check through the closing company that settled my mortgage. They required me to negotiate this debt in order to provide financing. 
3 ) On XX/XX/XXXX I emailed XXXX to see if my payment had been received and applied to my account. 
4 ) On XX/XX/XXXX XXXX replied to my email, stating that my account had been transferred back to Resurgent / LVNV. In addition, she told me to contact them regarding the matter that I had already made an agreement on. 
5 ) On XX/XX/XXXX I decided to make an online account with LVNV, in order to see the status of my account. Right under account details it showed my payment in the amount of {$1400.00} was posted in XX/XX/XXXX. 

I have clearly proven I met my end of this obligation and that both companies have lied to me and refused to remove this incorrect information from my credit report. In addition, I have filed complaints with all three major reporting agencies, all of which said they investigated my complaint and that the debt was valid. 

Please help me in regards to this matter. I have attached all of the evidence I have. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: WELLS FARGO & COMPANY
State: AK
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
The bank repossed my car for late payments. Even when I had the proof of being on time. They kept the car until they found the missing funds.

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