BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I just want to see if they charged me unnecessary overdraft fees

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 2023-08-09
Company: EQUIFAX, INC.
State: VA
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:
Iv'e been putting fourth efforts tireless to correct the CRA 'S and the financial institutions errors concerning my account with certain confidentiality and information i consider private, with my written instructions i expressed to block, reverse, or hide all information containing to my Payment history ( Late Payments ) and Utilization ( My Transactions and Experiences ) due to the CRA 'S and financial institutions Willful non-compliance of not honoring my rights to privacy Pursuant to 15 1681 sec 604 sec ( a ) subsection ( 2 ) its a violation due to them dishonoring my written instructions, my rights to have privacy and 15 usc 1666b the creditors is using my identity without my authority to furnish information i expressed and instructed i do not want reporting or shared with any CRA 'S 1026.12 Special Credit Provisions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Chrysalis Holdings LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
New Day charge me lates fees when an automatic draft did not go through according to new day. XXXX said New Day never attempted to draft any funds out my XXXX account. 
New day claimed the check was returned. I have an overdraft with XXXX and the sufficient amount was in the XXXX account at all times. I have exhausted all attempts to clarify with new day to no avail. Customer service rep name XXXX employee # XXXX is not knowledgeable enough to handle customer 's complaint. 

The issue is I am being charged for nothing my XXXX XXXX  did. New day would not let me speak to a supervisor or manager. XXXX knew there was an issue with automatic draft from new day but he refuse to admit it. I requested XXXX to turn off the automatic draft last month but he refused to do so. Now I have the same issue this month with automatic draft not being successful out of my XXXX account. I used the same funds in my XXXX account to pay the mortgage over the phone with adding funds to the account. 
The issue of insufficient funds in the account is not accurate. 

I would like to see this manner resolved quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company keeps harassing me telling me my credit will suffer and nobody will lend any money when i need it. They also keep telling me ill regret not paying them. They call and call and call all day and night they dont leave me alone and ive tried to dispute this with XXXX  and i dont think they take me serious ... they need to be dealt with i believe because they side with the company as if they know the details of the harassment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX  XXXX XXXX  XXXX XXXX Balance : {$8100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
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 Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$620.00}. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. 

XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$59000.00}. 

XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
I couldn't apply for any loans because of the negative items list on my report that shouldn't be there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally submit a dispute regarding inaccurate information on my credit report with Equifax. On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report, and to this date, they have not responded. The details of the inaccurate information and the required corrections are as follows : The following account was never late : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$89000.00} Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: Paypal Holdings, Inc
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
1 month ago, on or around XX/XX/XXXX, I started a new account with Venmo. I had added some banking information onto the account. I was having some issues adding a bank account. There was no explanation as to what the problem was. I transfered XXXX dollar into the Venmo account. 
3 days ago I receive and email from company stating that my account had been frozen due to " activity '' that had taken place, and in order to keep my account I was supposed to upload a copy of my identification, which reluctantly I did after a couple of days. Mind you this company is known for it's Shady business practices. 
Today I receive an email from Venmo that my account was going to be permanently deactivated for " the safety of Venmo users ''. I've not had the account nearly 2 months, and my " activity '' is against their policy. Transferring funds and adding banks is against their policy. What a joke. A company who doesn't use names, goes by " Account Specialist '' is sitting in some back office, demanding my identification; holding my money and account hostage, is saying that my activity is a risk to the safety of their users??? What a joke. 
I finally said I didn't want the account anymore, that I just wanted my money returned. They're refusing to do so. This complaint is the first step in trying to recover my funds. VENMO IS NOT KEEPING MY MONEY. This company is a joke and needs to be shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2019-09-07
Company: Pollack & Rosen, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was summoned on XX/XX/19 for a pre trial mediation on XX/XX/19. The law suit claims that XXXX XXXX is the plaintiff but the documents show that Pollack & Rossen, XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX are the actual plaintiffs. The summons itself is a cut and paste document poorly done. Once googled they are notorious and have had class actions against them. By law XXXX XXXX would have charged of this debt in 180 days of non payment. I suspect they purchased the debt and by using XXXX XXXX as plaintiff is fraud, a practice for which they have been sued for in the past. 

I am no stranger to this tactic as a business owner for over 35 years. Mediation is to see what assets I have, such as homes stocks etc. which I have none. I am a XXXX year old retired single man living on social security. Their threats for garnishing wages, seizing bank accounts and property are disturbing to say the least. And I am sure violate best practices. 
Their assumption that I sought out the credit card is false. XXXX XXXX is natorious for sending out cards for free, not requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
My complaint is with the US Department of Education, XXXX and Mohela -- I have been actively working to qualify for XXXX since XX/XX/2022 ( after working full time for the XXXX for over XXXX XXXX ). I have qualified finally after loan consolidation with Mohela, verification of a valid employer ( XXXX XXXX XXXX XXXX XXXX XXXX and making over XXXX qualifying payments. My application for XXXX forgiveness now resides at the US Department of Education for final decision as of XX/XX/XXXX. Neither Mohela nor Federal Student Aid can verify the status of this decision and an agent at XXXX said that the division aXXXX XXXX XXXX does not accept incoming calls. XXXX stated that the process can take up to XXXX business days ( XXXX months ) -- this is unacceptable. I am an employee of both the XXXX  and XXXX and this is unacceptable customer service. Please remediate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: WELLS FARGO & COMPANY
State: MN
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:
I have a pending charge from XXXX XXXX one on my wells Fargo debit I did not make at All for XXXX dollars. I have no accounts with XXXX XXXX its still pending as well and has it been posted.

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 2023-10-11
Company: Financial Recovery Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am filing this report because, at last, Financial Recovery Services , Inc. and XXXX XXXX XXXX XXXX  responded to my requests when I informed them that I'd been an identity theft victim. They sent me the record of the application I requested, with an early bank statement of the fraudulent account opened years ago. I informed them that the account was subject to identity theft and fraud because I had never opened the account and used it. I have looked at the record of application because when a bank opens an account, an application is filed for it. The record of the application states information that is not mine, and the original card was sent elsewhere and not to where I resided. In addition, it has an email that I'm unaware of and never used before. The application is entirely frivolous because I never filed such a credit application. I have never used any XXXX XXXX XXXX XXXX or been a customer. This account resulted from identity theft, and the account is not mine. Collections being on a fraudulent account is illegal. XXXX XXXX XXXX must remove this frivolous account because it resulted from identity theft, and they are harming my financial credit report. However, XXXX XXXX XXXX claims that the account is mine despite the identity thieves ' fraudulent information. I am highly disappointed that they didn't even investigate this matter. They sent me a letter dated XXXX  that stated, " We are unable to approve your fraud claim because they concluded that the charges were made by you or someone who had authority to use the account. '' I never had access to this account, and I do not know who had access to it because it resulted from identity theft. I do not know if these banks understand what " identity theft '' means. Identity thieves used my social security number, date of birth, and name to open an account and benefit from them without my knowledge or consent. The information I examined in the application record was never part of my personal information. XXXX XXXX XXXX insists that this fraudulent account resulting from identity theft is mine. The account is not mine ; the account was never mine. I never opened this account, applied to this account, received a card for this account, and I never used this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Unauthorized inquires include : XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquire on XX/XX/XXXX Attached is police report and paperwork with all fraudulent inquires sent to all brureas

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