BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-19
Company: EQUIFAX, INC.
State: TX
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:
XXXX, Equifax and XXXX are reporting me owing a debt to XXXX XXXX XXXX and XXXX XXXX. Neither one of these are accounts or debts I caused or authorized. During the time that they are stating the debt occurred, I was a victim of Identity Theft in which I filed a case with the FBI. At that time All three major credit bureaus were notified. This was several years ago but until this day I have been disputing these account and the credit bureaus are refusing to delete these items. Each time I dispute the items and ask them to provide me with information on their investigation from the creditor showing proof of the debt, they refuse to provide me any documentation. The same applies to the creditor. The Creditor have ignored me numerous times and refuse to reply me or provide me with any documents of evidence of these debts. The credit bureaus response is always the account was verified

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Wells Fargo had a promotion stating you will receive a {$250.00} bonus if you open a checking account before XXXX XXXX. I opened a checking account online on XXXX XXXX, one day prior to deadline. The same day I received a welcome email indicating I would receive the bonus. Wells Fargo refuses to issue bonus even though I met the terms claiming I did not open account in time. This is false as I opened on XXXX XXXX. Please see attached documentation from Wells Fargo in email showing I opened my account before the deadline. I funded the account with {$50.00} which is twice as much as required. I ask that Wells Fargo issue bonus as promised otherwise they are falsely advertising. I have contact Wells Fargo on XXXX and they refuse to do anything claiming I did not open account in time. My account was opened before the deadline.

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 2022-05-03
Company: Global Lending Services LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX XXXX is my name and I am a Federally Protected Consumer and I sent a letter to Global Lending Services 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 Global Lending Services, XXXX, XXXX, and XXXX 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, XXXX, 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 2017-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX, XXXX and TransUnion are reporting me owing a debt to XXXX XXXX XXXX and XXXX XXXX. Neither one of these are accounts or debts I caused or authorized. During the time that they are stating the debt occurred, I was a victim of Identity Theft in which I filed a case with the FBI. At that time All three major credit bureaus were notified. This was several years ago but until this day I have been disputing these account and the credit bureaus are refusing to delete these items. Each time I dispute the items and ask them to provide me with information on their investigation from the creditor showing proof of the debt, they refuse to provide me any documentation. The same applies to the creditor. The Creditor have ignored me numerous times and refuse to reply me or provide me with any documents of evidence of these debts. The credit bureaus response is always the account was verified

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
XXXX XXXX XXXX - Correspondence to Portfolio Recovery Associates requesting verification of debt. No response to date. 

XXXX XXXX XXXX - Correspondence to Portfolio Recovery Associates requesting verification of debt. No response to date. 

Company has not provided verification of original debt and continues to report collection as new account. I have not had a XXXX XXXX card in 5-6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: ALLY FINANCIAL INC.
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:
In XXXX of XXXX, I leased a brand new XXXX through Ally credit company. In XXXX I paid my payment a little late and they applied it to the XXXX payment early. The next payment I made was applied to the XXXX payment, the next to XXXX, etc. So basically my account ended up showing FIVE months late because they never applied my payments to that XXXX bill. I was NEVER notified that my account was showing anything but current. In XXXX XXXX the vehicle was totaled and paid off completely by insurance. We 've disputed this with them on several occasions and have been given the run-around every single time. Getting them on the phone is almost impossible and only one person ( out of the about 20 we 've spoken to ) spoke English, so it 's very hard to get anything done. They are a horrible company to work with and do n't care that they made a mistake and have made zero effort to fix it. XXXX and XXXX have removed it but it is still showing on XXXX  despite the fact that we 've disputed it several times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Merchant Account : XXXX Name of the credit card company : XXXX Bank Name : Bank of America Merchant Services On XX/XX/XXXX, Bank of America Merchant Service Manager ( XXXX XXXX, XXXX, mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX FL XXXX ) sent me letter via XXXX stating XXXX has imposed {$25000.00} fine to protect XXXX 's XXXX XXXX XXXX XXXX. Bank of America MS has already debited more than {$6000.00} from my business checking account. <P/>I have requested Bank of America ( BAMS ) to ask XXXX to provide evidence for which XXXX alleges that I have been engaged in selling controlled substance by our company website. I sent my request on XX/XX/XXXX via USPS Priority Mail to provide any information that proved that I am involved in such activities. They have not responded. In XX/XX/XXXX letter BAMS further informed that I have to pay {$5000.00} to XXXX, if I have to file an appeal to XXXX. <P/>I am a very XXXX XXXX owner and I have no resources to file a law suit against giants like BAMS and XXXX. I am a very honest person and I have not sold or purchased any controlled substance in any manner. I would request your support in this matter urgently.

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 2022-05-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
HSBC Bank, XXXX XXXX XXXX is reporting an erroneous and inaccurate charge-off with a past due balance on my credit report with XXXX and XXXX. In violations of FCRA, a charged-off account is already written off. There should be no past due balance of {$4500.00} when the account is charged-off already. 

I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ) against HSBC Bank, XXXX XXXX XXXX. 

I previously disputed this erroneous and inaccurate information with XXXX and HSBC Bank, XXXX XXXX XXXX was removed from my credit report for inaccurately reporting a charged-off account with a past due balance amount owed. A direct violation of FCRA, requiring all inaccurate information to be removed. 

HSBC Bank, XXXX XXXX XXXX sold the charged-off account to XXXX XXXX  XXXX XXXX Who notified me on XX/XX/2022 by letter attached as a Collections agency. 

Pursuant to FDCPA Section 809. Validation of debts ( 15 USC1692g ) requires validation of debt before reporting information on my credit file. I demanded validation of debt from XXXX XXXX XXXX XXXX XXXX 

When XXXX XXXX, XXXX failed to validate the debt, they informed me that the account was transferred back to HSBC Bank, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: John C. Heath, Attorney at Law, PLLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I'm a XXXX XXXX XXXX XXXX my identity has been breached, at this address causing me to be in a serious financial situation. It's even effected mail service to the home, no resources or assistance has been offered or any help obtaining the proper assistance. It's has only gotten worse to the point I'm living in a place that has no utility services or running water, while being on my own. I'm having to have paid help for credit rehabilitation also, as of today I'm currently still in this dwelling with hopes of get the right support and immediate help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: EQUIFAX, INC.
State: CA
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 an account with XXXX XXXX  XXXX with this company and previously I disputed the item and it cam out my credit report but after 2 month same report appeared in my credit file again. Base in the law if the company does not respond after 30 day it should be clear from my credit reporting but same report appears again after a while again. Also a credit report from XXXX XXXX which is a fraud in my credit report. This account is not mine and has not been removed even when I contacted XXXX XXXX exists

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I checked my Equifax report and it has not updated in almost 6 months. Several debts have been closed and while my XXXX score has improved by 87 points, the Equifax report has yet to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
There are 5 accounts that I have been disputing since XX/XX/2020 I have. These accounts are not mine I have no idea who opened these or how. I have filed an FTC report I have A notarized Affidavit for Identity theft and I have written over 5 letters to the bureaus I have called them but nothing no verification no help I feel ghosted and I feel like I have to deal with someone elses doing an go thru a year of hassle for these accounts this is my last resort please help. 

XX/XX/XXXXAcct # XXXX {$14000.00} XX/XX/XXXX- Acct # XXXX {$3200.00} XX/XX/XXXX Acct XXXX XXXX {$5600.00} XX/XX/XXXX- Acct # XXXXAmt {$2200.00} XXXX XXXX XXXX Acct XXXX XXXX {$10000.00}

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 explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: TX
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:
I sent letters out on XXXX XXXX XXXX XXXX XXXX XXXX to Equifax, XXXX, XXXX. But still no response from Bureaus nor anything by mail showing verification of accounts. 
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 my account without written instructions. 
please provide me with the accuracy of my accounts as this unlawful and hindering my report or I will sue the following bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Skrill USA, Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Point of Sale purchase for Skrill USA NEW York XX/XX/2021 in the amount of {$50.00} from my XXXX XXXX XXXX  debit card that is tied to my checking account. Two Point of Sale purchases by Skrill USA NEW York XX/XX/2021 in the amount of {$50.00} two separate times from my XXXX XXXX XXXX  debit card that is tied to my checking account. I have called to have my card immediately deactivated. These are fraudulent charges. I have never done business with this shady company. They need shut down. I have researched that they allow scammers to do this over the years for the exact amounts of XXXX dollars several times just as has happened here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: AR
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:
Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX   XXXX {$48.00} XXXX XXXX {$960.00} XXXX   XXXX {$1400.00} XXXX XXXX {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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  DEPT OF ED/XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Experian Information Solutions Inc.
State: CT
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:
CFPB Write up XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX ACCOUNT 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 explanation
Consumer complaint received 2017-06-29
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello, I just hung up with Navient, again and they were not helpful in understanding my questions. I am trying to understand how my loan with them started at {$36000.00} in 2002 and is now {$51000.00} while I have paid {$26000.00} over the life of the loan and it has n't even made a dent ... instead my loan has increased?? I asked for help and was offered another forbearance ( which I recognize I have used too often but seemed like the only option but it just makes the loan longer ). I make " too much money '' to qualify for anything but not enough to pay this off and I do n't work in any of the industries that allow for forgiveness. How am I ever going to get out of this? The last person I talked to this morning said my only other option was to enter a forgiveness program that would mean another 25 years of the loan, I would be XXXX years old at that point and would most likely have student loans for my XXXX kids. Can you help at all? I want to do my part but paying into this loan balance does n't seem to help actually pay it off. I appreciate anything you can do or any advice you can offer. Thank you so much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX Account # XXXX **** violated my Federal protective consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy

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 2022-05-04
Company: EQUIFAX, INC.
State: SC
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 DEPT OF ED/XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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