BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Company: I.C. System, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C SYSTEM INC at XXXX. XXXX XXXX XXXX XXXX, MN XXXX has been sending me collections notices in the amount of {$640.00}. Account # : XXXX. This collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. I've disputed this account in the past, they did not provide me with any type of verification leading to the account being removed from my XXXX  and XXXX. But XXXX is still reporting it as debt.

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 2022-02-03
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Diversified Adjustment Service, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Diversified Adjustment Service for attempting to collect a debt that I do not owe. According to their correspondence, they claim that I owe them {$29.00} for an outstanding balance on a XXXX XXXX XXXX XXXX bill. 

I have proof that I have already paid the full amount of {$100.00} on my XXXX XXXX XXXX XXXXXXXX bill. The payment was made on XX/XX/2022 and the payment was fully processed and cleared by my credit card company. Diversified Adjustment Service is falsely claiming that I owe them money. 

I am very concerned that Diversified Adjustment Service is attempting to collect a debt that is not valid, and I believe that their actions are in violation of the Fair Debt Collection Practices Act. Their attempts to collect this debt have caused me undue stress and anxiety, and I fear that my credit may be negatively impacted as a result of their actions. 

I am requesting that the Consumer Financial Protection Bureau investigate Diversified Adjustment Service for their unlawful debt collection practices. I also request that all negative marks on my credit report be removed as a result of their false claim. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: WELLS FARGO & COMPANY
State: FL
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 issue is with Wells Fargo bank who is not following the law with the Consumer Financial Protection Bureau. My son XXXX XXXX was a victim of fraudulent activity on his checking and savings account with Wells Fargo. XXXX XXXX XXXX XXXX XXXX mobile deposits were made into each account which both were followed by {$400.00} XXXX transfers. Someone gained access into both of his accounts and made the XXXX payments. We had nothing to do with these transactions, they were unauthorized activity. We made contact with the bank on XXXX XXXX XXXX after I received notifications of overdrafts. The bank was able to identify it was clearly fraudulent activity but the complaints office with the bank made the determination that we initiated the transactions, but we did not. The electronic funds transfer Act protects those who have been victims of banking crimes which protects consumers even if its one 's fault if they had fallen for an online phishing scam. We have not been able to identify how they accessed his accounts and there has been no protection from our bank. The XXXX XXXX has written an article on the growing fraud with XXXX and how banks including Wells Fargo are trying to blame the customer and not follow the law. Wells Fargo has been in the news a lot in our local area for the same complaint. Wells Fargo also is XXXX of multiple banks that own XXXX. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX I sent a certified letter to ERC for validation for a debt Original Creditor XXXX XXXX XXXX XXXX for the amount of {$1800.00} On XX/XX/XXXX I received a response from ERC which stated they were unable to validate this debt. Stating the account would be deleted from any consumer credit reporting agency files to which they may have submitted information to. Letter signed XXXX XXXX, Senior Vice President of Operations. 

On XX/XX/XXXX, the unvalidated account was then re-added back on to my credit report unlawfully. 

I reached out to ERC via phone to get this removed stating I had received a letter for removal in XXXX. I spoke to XXXX XXXX, who informed me they will not be removing account even though i have a physical notice stating otherwise for not being validated. 

XXXX XXXX, supervisor refused to get on the phone or have any communication with myself. 

The debt has already been established as not being valid, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: ENOVA INTERNATIONAL, INC.
State: UT
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:
NC Financial -XXXX : This is a fraudulent account. I have tried disputing this with the original company and they denied the request even though I have filed a police report against this. It needs to be removed from my credit report immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2500.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$280.00} XXXXXXXX XXXXXXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX : {$6400.00} XXXX XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$58.00XXXX XXXX XXXX Balance : {$2700.00XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: MO
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I clicked on a Pre-Approved Discover Card link on XXXX XXXX app. The XXXX is part of the XXXX  Membership app where credit offers are routinely displayed as a result of my XXXX credit score.

When I clicked on the link it stated there would be no impact to my credit score. I have attached the screen that I checked. 
As soon as I checked the box and clicked the button, I was informed by XXXX that obtained my credit report. Them doing so caused my credit score to go down XXXX points. 
This is misrepresentation as they said I was pre-approved but they declined my account and their activity caused my score to decrease XXXX en though they said it wouldnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX keep on putting false collection account on my credit report. It was deleted before now they put it back again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Chime has fraudulently had an account opened in my name and the confirmation address was XXXX, FL. 

I did not open any such account. 

Now I am being sent a debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Aargon Agency, Inc.
State: NV
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is about Consumer Credit Transaction entered with your Company dated XX/XX/2020 I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; I demand a deletion of the chargeoff mark reporting to my report If you accept my request, I will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely, 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 2023-08-01
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: Account information incorrect

Complaint:
TransUnion Consumer Relations XXXX XXXX XXXX  XXXX, PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Dear TransUnion Consumer Relations, I hope this letter finds you well. I am writing to address a matter of utmost importance that requires immediate attention. I recently obtained a copy of my credit report from TransUnion and discovered several hard inquiries that are not associated with any accounts I have opened or authorized. I am deeply concerned about the potential financial harm these inquiries may cause me, and I kindly request that you remove them from my credit report.

As you are aware, my credit report plays a crucial role in determining my financial well-being and my ability to secure credit. It is essential that the information contained within it is accurate, up-to-date, and reflects my true creditworthiness. However, the presence of these unauthorized hard inquiries has a direct negative impact on my credit score, making it more difficult for me to obtain credit on favorable terms and potentially resulting in financial harm. 

I have thoroughly reviewed the terms and agreements provided by TransUnion, and nowhere do they indicate that you have the right to include unauthorized hard inquiries on my credit report. Therefore, I kindly request that you adhere to your own terms and agreements and remove these inquiries immediately. 

I understand that errors can occur, and I trust that TransUnion values the accuracy and integrity of its credit reporting services. Therefore, I kindly request a thorough investigation into this matter to determine the source and legitimacy of these unauthorized hard inquiries. I would appreciate being kept informed of the progress made in resolving this issue. 

Please provide me with written confirmation once the unauthorized hard inquiries have been removed from my credit report. Additionally, I request that you provide me with a free copy of my updated credit report after the removal has taken place, in order to verify that the corrections have been made accurately. 

I would like to take this opportunity to express my gratitude for your prompt attention to this matter. I firmly believe in TransUnion 's commitment to fairness and accuracy in credit reporting. I trust that you will investigate this issue diligently and rectify the situation accordingly. 

Thank you for your time and cooperation. I look forward to a swift resolution of this matter. 

Yours sincerely, [ 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 2023-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent money via wire transfer from my bank ( XXXX XXXX ) to what I thought was the title company at Bank of America. I recieved a call from Bank of America wire fraud department that same evening to verify the wire. I explained that I was purchasing a house. The Bank of America representative that initiated the call to me said that this was a new personal account and not a title company so she was going to cancel the wire and close the personal bank account because it was fraud. She told me to call me bank to have them request my money back. I called my Bank XXXX XXXX first thing the next morning and told them what happened. The person I spoke with at XXXX XXXX filed XXXX requests to Bank of America before they recieved a reply. The reply from Bank of America was that my bank needed to sign a XXXX which released any liabilty from Bank of America and transfers it to XXXX Bank. Since XXXX didn't do anything wrong they are unwilling to sign the form. I contacted Bank of America via email asking if I can sign the form to which they responded and I have to go thru my bank. 
At this point it's been over 7 months and I just want to get my money back that Bank of America is holding. 
Below are the requests that XXXX sent to Bank of America : Confirmation IMAD # for this first request to return is : XXXX on XXXX Confirmation IMAD # for this second request is : XXXX on XXXX Confirmation IMAD # for this third request is XXXX on XXXX Confirmation IMAD # for this fourth request is XXXX on XXXX The amount of the wire sent was {$66000.00} on XX/XX/. 
It was sent to Bank of America routing # XXXX, recipient XXXX XXXX, Credit account number XXXX. 
It was sent from XXXX XXXX account number XXXX. 

Please please help me! 
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 2022-04-14
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I did pay for all three reporting agencies, but once I reached XXXX I dropped XXXX and Equifax and just kept XXXX. Then XXXX of my accounts closed, and they said it was because of my credit score. So, I opened XXXX and Equifax up and saw that they were reporting my scores as XXXX, Equifax- XXXX XXXX and XXXX. I thought that this was odd because I monitored XXXX at least XXXX times a week, and it never fell below XXXX, and at present it is XXXX. The only reason could be that XXXX and Equifax were changing the XXXX score on their own and not reporting the actual score for XXXX. Then I called XXXX, and they told me that they could do that and that there was nothing wrong in doing it. That meant that Equifax was not checking XXXX either when I ordered my three reports, so they are just as guilty in reporting false scores. Then, when I ask to speak to a superior, XXXX told me that they were not going to change it. This has caused me to lose my XXXX account and my XXXX account, and has dropped my credit score and caused me to be denied for credit cards. This has really damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Under the FCRA, the burden of proof lies on XXXX, Tranunions, XXXX you are the one allowing fraudulent information to report on my credit report. Im entitled by the Fair Credit Reporting Act ( FCRA ) to request the credit bureaus to substantiate it, and if found to be an error, remove it. The Federal Trade Commission ( FTC ) allows consumers to access the FCRA to learn more about their rights when it comes to their credit report. Payments reported late when they were not late. 


Thank you for following the ethical standards set by the FCRA and removing these late payments. I call XXXX, Tranunions, XXXX and someone was cursing and swearing at me. Laughing in the background.Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX Tranunion, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.Experian, Tranunions, XXXX are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email XXXX, XXXX, TransUnion CEOs as last resort before I Sue them all.

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