BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received the first of several emails from a company sending me an unsolicited email stating that I have an account with them. I know that life is very busy, but I can't remember ever hearing of this company or furthermore given them any of my personal information or consent to contact me. I do not recall owing this company a dime and its highly probably that I have never contracted with this company. In order to resolve this confusion, I have requested VERIFICATION once again VERIFICATION of this alleged debt by all of the following items : 1 ) The original contract with wet ink signature 2 ) purchase order with terms and conditions 3 ) Name, address, phone number of the original creditor. 
4 ) Aggregated value, forward floor agreement, itemized billing associated with alleged account with billing history.

5 ) Proof of ownership 6 ) Proof that this company is even insured and bonded to do business in Michigan. 

If the company can not satisfy these perimeters within the allotted 30 days, given by law, I can only expect for them to follow the federal and state laws that state that they promptly cease all collection activity. Refusal to do so will result in seeking of monetary relief for any damages incurred to myself or my family. Thank you for your swift action to help rectify this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/2018 around XXXX PST i called Bank of America Credit card services at ( XXXX ) XXXX. The purpose of my call was to make a payment that was due on XX/XX/2018 based on the billing statement that they had sent me. When i called in i spoke to an individual who's name i did not obtain. The rep advised me that my payment will post with a date of XX/XX/2018, causing a late fee, even though i was making the payment on the due date, the associate explained that Bank of America processes their payments based on Eastern Standard time. I asked why was i being punished for living in a PST time zone and making my payment on time based on where i live and the time it was. the rep explained that because i live in california and i am calling on the due date the late fee would be waived and my payment would be honored as on time. 

I called Bank Of America on XX/XX/2018 and had the call escalated to a supervisor by the name of XXXX in the Montana location. I explained the situation to her, and she refused to waive my late fee at first. I explained to her it is Bank of Americas duties to stand by the promises their employee make, XXXX explained that because the previous associate did not document anything about a late fee, they could not honor it. I believe this is horrible customer service on their end. I have been a long time customer and they refuse to honor previous promises. 

XXXX eventually agreed to waive the late fee on a contingency of filing an official complaint where they will " research '' the situation, and if they feel that it is warranted they will keep the fee waived, if not they will charge it back. 

i have attached a screenshot of my bill showing that i call on XX/XX/2018 as proof.

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report with transunion. checking my file ive noticed alot of invalid data that needs to be removed asap to help clear my file.

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-01-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 fraudulent transactions with my debt card. 
Total of 6 transactions. 
1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX I did not make these charges! I called the bank the same day they were done ... they emptied my account! 
Now bank returned # 1 and # 2 ... all others were denied! 
I dont know what to do! Its so unfair! 
Help!

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 2023-04-21
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Am a natural man and consumer. I was impacted by the so called 2017 Equifax data breach. I am spending incalculable hours and energy trying to keep up with the fraudulent accounts and inquiries appearing on my personal consumer credit report. This is the third cycle ( 30 day increment ) that I'm sending out disputes to Equifax, XXXX XXXX, and XXXX. XXXX XXXX has sent me stall letters and postcards after each of my disputes stating that they applaud my decision to take control of my credit, but they continue to completely and wilfully violate the FCRA by stating that my letters, which have my identifying information, doesn't appear to come from me. First of all, the FCRA does not stipulate that a consumer must notify any credit reporting agency that they are working with the assistance of someone else. Secondly, XXXX XXXX is a multi billion dollar corporation that does not know me personally, so how can they possibly determine what my mail seems like? XXXX continues to send me form postcards that are essentially stall letters as well, stating that my proof of address is insufficient, thereby denying me my right to challenge or dispute any information that is inaccurate erroneous or incomplete, and therefore access to my consumer report. The law states that upon receipt of dispute, a CRA must initiate a " reinvestigation '' of the disputed information, and complete it within 30 days. I am now approaching 70 days with no progress. I've submitted proof of my being a longtime victim of identity theft and the law states that ANY ITEMS THAT ARE REPORTED TO BEE THE RESULT OF IDENTITY THEFT MUST BE BLOCKED WITHIN 4 BUSINESS DAYS.

FCRA 605B ( 15 USC 1681c-2. Equifax and XXXX continue to report a fraudulent account from XXXX and company called XXXX ( XXXX XXXX ). I've contacted XXXX  and they said they'd forward it to the fraud department, but all that's happened is they verified the accuracy of the information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Capital one has been harassing me with repeated phone calls, the last call was made on XX/XX/2021 that was 39 minutes long. I recorded the whole call and the guy I was on the phone with has submitted a complaint on the harassment that I have been receiving and he was informed that it was a violation of my consumer rights pursuant to 15 usc 1692d and 15 usc 1692c but I have not heard anything back from no one so this complaint is for a response back from an executive team member. I would advise that this gets handled outside of court because If I have to seek litigation for the relief I am entitled to for sustained damages pursuant to 15 usc 1692k, attorney fees 15 usc 1692k ( a ) ( 3 ) will be added since I will be representing myself. I am a consumer natural person and your illicit activity needs to be stopped and for the record this complaint is not tied to my complaint I have with you last week because I have not provided anything detail on the calls that your company has made so if my complaint gets marked as duplicate I will be adding these fees to that complaint and I will start my administrative process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: WELLS FARGO & COMPANY
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for an home equity loan at Wells Fargo. They have my home loan. I have been there 10 years and never missed a payment or been late. My XXXX credit score is XXXX. They denied my application based on age. Of course they did not come right out and say that but they said they were worried about me becoming sick and not being able to repay my debt. I collect Social Security and work as a XXXX   XXXX  XXXX. They said my ratios were to high which they were not. You do not have a credit score of XXXX with to much debt. They were trying to count in my ratios what I was going to do with the money I borrowed but of course that is none of their business.My security was my home in which I had lots of equity. Of course they deny it was age discrimination and are trying to use my ratios. It was my loan rep XXXX who said this to me. When I applied for the equity loan they ran my credit and told me everything was fine. I was using the personal funds in my own business. The goal was to earn more using my own funds. I have contacted them several times but they still think that age discrimination in credit is OK with the bank. Do you think this is legal? 
Thank you, 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 2018-09-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Please refer to prior Case Submission XXXX. I received from XXXX XXXX Office of the President of 5th Third Bank and have contacted and left several messages on her office phone XXXX to address such issues. I was paid monies that were owed to me I believe on stolen bank accounts that was addressed in my prior correspondences. I indicated that aka XXXX XXXX is the individual who had the contacts at your bank to put a bank account onto my XXXX Credit card and paid monies from that bank account onto my XXXX CARD to pay down my credit card bill that monies were owed to me for services rendered on a marketing campaign. I was not involved in knowing who the parties were etc only that monies were paid out for services and payment was supposed to be paid back to me via my credit card. XXXX XXXX acted in concert with XXXX XXXX who has a XXXX XXXX fraud case with the CFTC and monies were probably used to pay his legal bills. The only accounts that I knew what was entered into XXXX as a transaction number. This was a well fueled scam that both defrauded the banking system in addition to myself. Mr. XXXX deals with cryptocurrency and he used his knowledge in the banking world to perpetrate this heinous crime. 

I called several times to go over this with Ms. XXXX and as of today still has not returned any phone calls ... The number of gave her was my cell phone XXXX or one of my office lines XXXX. 

Since the bank security was violated I would not be out my monies if they were not able to violate the bank information that recycled this scam. If the public was to understand this type of crime that the banks are allowing insiders to gain access to individuals accounts this would ruin the banking system .... I want the monies that were rightfully owed to me and for the banks to police their internal policies better to protect people like myself

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage Servicer : Lakeview Loan Servicing LLC XXXX XXXX  XXXX, XXXX  XXXX, VA XXXX XXXX My loan # XXXX My wife lost her work as a result of impact of the coronavirus ( COVID-19 ). We have lost a major source of income and will not be able to make the mortgage payment. I contacted the servicer 3 times and they will not offer the federally mandated deferral program coming from the stimulus plan which offers mortgagors assistance with the ability to defer mortgage payments up to 12 months with the ability to add those payments to the end of term. That would be without late fees being added or negative reporting to the credit agencies. They would not provide the deferral and therefore not following law. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2021-08-19
Company: WESTERN UNION COMPANY, THE
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I was sending money via WesternUnion mobile app. 
The application timed out and the transaction was never processed. I re-processed the transaction which gave me a confirmation. Upon checking my account I realized I was charged twice for the transaction in the amount of {$1000.00} through WellsFargo whom I bank I was also had overdraft fees. I contacted WesternUnion whom stated they only saw one confirmed transaction. I so I then contacted my bank who reversed the overdraft fees and credited my account the {$1000.00} Flashforward to today on my account with Wellsfargo I have a posted transaction for {$1000.00}. I contacted XXXX again they said WesternUnion won the dispute and they can no longer help me. I was charged twice for the transaction only one was comleted I have statments reflecting both charges the credit and new charge. On my history with the WesternUnion app I show only one transaction for the {$1000.00} on XX/XX/2021. 
What can I do at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Westcreek Financial
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter Monday, XX/XX/2023 from Koalafi saying I owed {$14000.00} on an account, and that I had two weeks to pay. I have never contacted Koalafi, let alone opened an account with them. Also, they do not show up on any of my credit reports, so I'm not sure if this is related to Identity Theft or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried to contact them but the passwords, emails, and information that was on file I didn't know are have ever lived at. This was not me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : 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 XXXXXXXX Have 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 non-monetary relief
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was never late on the paid off accounts listed below. Please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete the alleged late payments from my credit report. 

XXXX XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have been using Experian to fix my credit and I have some major concerns. There report isnt as accurate at XXXX or XXXX. I have 7 accounts which have been paid on time without any issues which their own reports reflects. All 7 are current with no lates in last 2 years. My 4 % credit utilization went to 0. I have no collections, and XXXX removed a bankruptcy that isnt mine and its taking an act of Congress to get them to remove it. I followed everything they asked me to do for 2 years and my credit score dropped 23 points this month and the only thing changed was an account which they said I owed {$45.00} which I paid off in XXXX was corrected by them. There has been no negative information on my credit for 2 years but they still want me to keep paying this {$25.00} per month to fix it but even following their advise is not getting results. This makes no sense and when you get someone on the phone they cant explain it. I want the exact reason why it dropped 23 points in XXXX with 2 years of nothing negative.

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