BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
The following companies whom have not sent me proof of contract from original collector providing proof of debt are XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER ADJ CO Due to these company getting a charge off tax write off and profit with this account I was supposed to by law receive a 1099 from this company that I have requested which the law states any write offs over {$600.00} is my right to be given, I was never mailed a copy of this 1099 for this alleged debt. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are reporting incorrectly that I am XXXX days past due on XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the three bureaus and requested the issues be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2023-04-11
Company: Experian Information Solutions Inc.
State: FL
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 previously requested that Experian provide original contracts for the items listed below that were previously disputed and supposedly verified. They have not provided original signed contracts that correlates to these accounts in question that states ownership or agreement of collection fees. 

These accounts should be deleted without such verification under FCRA 609/611 provisions - ACCOUNT NAME : XXXX XXXX XXXX XXXX # : XXXX amount : XXXX -ACCOUNT NAME : XXXX XXXX XXXX account # XXXXXXX amount : 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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft 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 2022-03-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, 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 taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: FinCo Services Inc DBA Current
State: MI
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:
This is current banking mobile. I request a dispute for {$1400.00} that somebody stole from me on XX/XX/XXXX which was a work check I just received at XXXX while I was at work and I seen that it said I sent {$1400.00} to XXXX at XXXX I immediately made a dispute claim at XXXXXXXX XXXX and I dont know an XXXX and and I provided a police report on XX/XX/XXXX. Once I provided the police report they refunded me {$30.00}. I had to wait 10 days for me to get a resolution for my {$1400.00} dispute and didnt get a resolution until my XXXX day and they denied it. They told me I couldnt make another dispute because it was final but I couldnt even get in contact with nobody to talk to them to explain that I have proof that somebody stole my money!! I just want my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: OH
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 Have no knowledge of this account, XXXX XXXX XXXX ACCOUNT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation!

According to 15 US Code 681s-2, a person shall NOT furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
RE : PayPal case # XXXX, Merchant ID # XXXX SUMMARY : I sent {$3200.00} to my Nephew on XX/XX/XXXX. This is advertised by PayPal as an " Instant Delivery ''. 
The charge posted to my XXXX on XX/XX/XXXX. PayPal has the funds, but has delayed ( two weeks and counting ) and has still not delivered the payment as advertised and promised. 

On XX/XX/XXXX I made two payments using PayPal to my Nephew, XXXX XXXX. The 1st payment went through just fine. The 2nd payment Transaction ID # XXXX for {$3200.00} was flagged by PayPal as an " Open Dispute '' and a hold was put on delivering the funds. 
On XX/XX/XXXX I was on a 58 minute " chat '' session with XXXX from PayPal in an attempt to resolve PayPal 's concerns. XXXX was not able to answer my specific questions or help resolve the actual problem -- -he only was able to describe PayPal 's resolution processes. 
I can submit a transcript of the on-line chat session if requested. There was a initial problem with one of my funding bank accounts, but it was cleared up immediately and I have two emails dated XX/XX/XXXX and XX/XX/XXXX from the Branch Sales Manager saying the PayPal situation is resolved. 

I immediately submitted and have continued to submit all documents requested by PayPal as follows : Files ( 9 ) [ Add ] Date Sent Type of Documents File Title XX/XX/XXXX XXXX Fax Any Bank Account Statement XX/XX/XXXX FrontDriversLicense-pg-1.pdf Fax Any Bank Account Statement XX/XX/XXXX BackDriversLicense-pg-2.pdf Fax Any Bank Account Statement XX/XX/XXXX XXXX Fax Any Bank Account Statement XX/XX/XXXX XXXX-transactions.pdf Fax Any Bank Account Statement XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Statement XXXX XX/XX/XXXX Bank Statement XXXX My XXXX card was changed on XX/XX/XXXX, so PayPal has collected the funds and I am requesting immediate delivery of {$3200.00} to my Nephew. I can provide copies of Bank emails, Credit card statements, etc to support this complaint if requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: W&A Intermediate Co., LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
The following companies whom have not sent me proof of contract from original collector providing proof of debt are XXXX XXXX XXXX WAKEFIELD & ASSOCIATES, XXXX XXXX XXXX  Due to these company getting a charge off tax write off and profit with this account I was supposed to by law receive a 1099 from this company that I have requested which the law states any write offs over {$600.00} is my right to be given, I was never mailed a copy of this 1099 for this alleged debt. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Capital One sent me an email on XX/XX/XXXX stated that if I applied for their XXXX credit card, I will get {$300.00} signup bonus after approved and spend {$500.00} within 3 months. 
So I applied and got approved on XX/XX/XXXX. 
I spend a total of {$610.00} by XX/XX/XXXX. But I didn't get the {$300.00} as advertized. 
I called, was told the bonus will appear within 2 billing cycles. But it has been more than 2 months, Capital One still didn't give me the {$300.00} sign up bonus.

I called them today explained everything, but they customer service rep transfered me to another department, but I got disconnected.

I called again explained the situation again, they kept giving me a run around. 
I spoke to a supervisor name XXXX badge # XXXX, but she wouldn't give me the real reason why I am not getting the bonus. 
There is no where for me to turn to, signed up and pent {$610.00} on the credit card because of the ad they sent me. Now they are not give out the bonus as advertized. Capital One misled me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My compaint is not about the mortgage, it is to report a scam. Someone named XXXX XXXX, with an XXXX accent, contacted me and identified himself as a TIAA loan officer. He knew, or guessed, that i was behind on my mortgage and threatened foreclosure unless I made a payment. He said that I qualified for a " HAMS '' program which would lower my monthly payment and interest rate but in order to begin the process, i had to pay {$1100.00} up front, which he said was my negative escrow balance. My wife and I decided that it would be best for us to have lower payment so we decided to go ahead and proceed with the payment. After paying the balance in full, using XXXX XXXX gift cards, they said we would receive new loan documents in the mail. It wasn't until a few days before our first scheduled " mortgage '' payment that we became suspicious and " googled '' their contact number, XXXX, and found that other people had been scammed or almost scammed by the same XXXX XXXX and his " supervisor '', XXXX XXXX. So now I've thrown away {$1100.00} and I'm three months behind on my mortgage and it will be a struggle to catch up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: CITIBANK, N.A.
State: MN
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: Overcharged for something you did purchase with the card

Complaint:
When I received my XX/XX/2018 statement, I noticed a charge from XXXX XXXX XXXX XXXX had been posted to my account on XX/XX/XXXX. I did travel on XXXX XXXX in XX/XX/XXXX, but not in XX/XX/XXXX, and I definitely did not authorize any charges for {$1400.00}. I reported this to Citibank, and that account number was closed.

As a result of my report, representatives from XXXX XXXX contacted me. They explained that this charge was for an online flight upgrade on my flight in XX/XX/XXXX. They explained that I had authorized an upgrade in the amount of XXXX XXXX Rupees. Unfortunately, this amount was not properly converted this to US dollars. Instead of XXXX Rupees, I was charged XXXX dollars. They were unable to explain why the charge was posted in XX/XX/XXXX, rather than XX/XX/XXXX. They said that I should check with Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2020-02-06
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am the successor of interest in my late father 's refinance w/Wells Fargo 's  Home Mtg. I reinstated the amount due : {$18000.00} wired to WF on XX/XX/2019. I asked over & over exactly how much was needed to reinstate the loan which was the above amt. After that date, I received letters from WF asking for another {$1900.00}. I keep asking what is the amt for? WF is vague & replys, " attorney fees ''. I want the exact breakdown of the fees because their Attys. XXXX, XXXX, XXXX, XXXX were pd over {$3000.00} included in the {$18000.00}. I called XXXX 3x 's, left messages, emailed them & they will not respond. The extra amount of {$1900.00} is supposedly for their attys & that fee has a date of XX/XX/2019. I pd WF on XX/XX/2019. I want the actual breakdown of all of the fees involved in hard copy & mailed to me. So far only delays from WF & still nothing from their attys. Also, the refi is a fixed refi of 6.37 % & the monthly payment is {$510.00}. I keep asking WF why the monthly interest is so ridiculous. The payment is due on the XXXX of each mo. & it doesn't matter if I pay the amt 2 wks before, WF will take only {$70.00} towards the principle. This makes no sense? Please, contact WF & their attys. The atty 's number is on an attached PDF. WF 's contact person is XXXX XXXX Sr. VP. Tel. # XXXX XXXX XXXX XXXX XXXX XXXX, IA 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
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: TN
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: NY
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 Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.SC 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America is reporting a closed credit card with a balance of {$1800.00} opened on XX/XX/XXXX on my XXXX credit report. At this time, there's no partial account number being reported. That account does not belong to me as I was a victim of identity theft. Last year, that account was removed from all my credit files. However, in XXXX of this year it showed again at my XXXX  credit file. 

Enclosed is a correspondence from XX/XX/XXXX that Bank of America is saying that the account is not reporting to the consumer reporting agencies. However, in XX/XX/XXXX the fraudulent account showed up on my credit report once again. 

Please help me resolve this matter. I have tried multiple times to contact bank of America to remove that account from my credit file. I also contacted XXXX to remove and block that account from my credit file but I have been given the run around. Both the credit card company and the credit bureau are reporting wrong information on my credit file which vilates my consumer rights under the Fair Credit Reporting Act. 

Please help me resolve this matter. 

Thank you very much.

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