BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: Financial Business and Consumer Solutions.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
For a collection account with XXXX XXXX XXXXXXXX, I paid FBCS Consumer Contact Solutions {$770.00} on XX/XX/2023. As a result, I received a file number of XXXX and a confirmation number of XXXX. XXXX XXXX, who works for FBCS, firmly stated that I would not receive any other numbers than those mentioned above. The woman refused to provide me with a written confirmation that this account was paid in full since I am refinancing my home. When I asked if there was anyone in the company who spoke XXXX, she replied that no one spoke it. 

It is causing me hardship as I have paid my collection account in full and this person refuses to update it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In early XXXX, USAA restricted my online account access preventing me from viewing all my accounts including my checking account. Since then I have not received an account statement, nor have I been sent any instructions as to how I go about moving the money in that account to another bank. I was notified the account was closed on the phone after it had already been closed, yet have not received any notices in writing as to the cause or reason for this. I have repeatedly asked for an explanation as well as instruction on accessing the money I have there with no response. It is preventing me from paying bills, accessing funds, viewing the account for accuracy or viewing my past statements which were all delivered electronically. Thus I am unable to even view my past statements. Basically USAA has decided to take my funds in my checking account including my social security XXXX check which was being directly deposited into the account. It 's been close to two months now, and they have been no help. I need my money returned and access to view all transactions for the 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 2017-06-26
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 3 years of payments to XXXX " XXXX XXXX XXXX on time without any late fees and my final payment paid in full. I was never in debt and never owed XXXX anything that I did n't already pay. A debt collector by the name of Mercantile Adjustment Bureau has some how stolen my account number, full name, previous address as well as current address from XXXX and contacted me by mail stating that I owe XXXX dollars and after contacting XXXX no such debt was ever owed. This is not only a violation of the privacy policy of XXXX but also has affected my XXXX credit score which will be considered defamation of character. This is criminal and must be dealt with. Questions : 1. How did Mercantile Adjustment Bureau obtain my full name, current and previous address and the account number I have with XXXX? 2. If XXXX did n't place my account with Mercantile Adjustment Bureau then how do they have all of my information? 3. If XXXX is saying this is a fraudulent claim then how can I seek full legal action against Mercantile Adjustment Bureau for theft of personal information, harassment and defamation of character?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am currently receiving collection letters from Ad Astra ( collection agency ) on behalf of XXXX XXXX. Ad Astra is attempting to collect {$4200.00}. They are claiming the loan was taken out on XX/XX/2018. 

This loan was never authorized on my behalf and believe this is a result due to identity theft. I have never taken out a personal loan in the last 11 years of my credit history. 

My first attempt i contacted ad Astra to notify them that this collection is fraudulent. They did not want to hear my complaint. 
I then made a dispute claim with XXXX but they were not able to successfully close the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, I was completing a transaction on the website XXXX for sale of some furniture for a total of {$720.00}. Buyer told me he was being relocated and his company would be emailing me a certified check in the amount of {$2100.00} that I could mobile deposit, and y instructions were to deposit, then XXXX the moving company for arrangement of pickup. 

I mobile deposited the check into my Wells Fargo Account, and the funds were made available on XX/XX/XXXX, so I completed the XXXX transaction. 

Soon after providing verification of the XXXX Transfer, the buyer then messaged me that more was needed for the moving company, so he was sending another check of {$2600.00}, which I was to XXXX again to the movers. 

I became more suspicious, but I made the deposit, then called Wells Fargo Fraud Detection, as I thought something was up. XXXX with Wells Fargo advised on a reccorded line that the check cleared. I waited the weekend, then went to a branch to show them the checks, which they advised didn't match the previous bankers check. I called Fraud Protection and was again told on the recorded line the checks both cleared, but immediately opened up a claim with Wells Fargo Fraud Protection with XXXX XXXX XXXXXXXX for the deposit and XXXX XXXX XXXXXXXX for the XXXX Transaction. 

On XX/XX/XXXX, both checks were returned, with lost funds on the XXXX transaction resulting in my account being overdrawn. I called back to Wells Fargo to inquire if they were going to be able to refund the {$1400.00} for the XXXX transaction and they advised it would take XXXX days. 

Wells Fargo does not have stops in place to protect me as a customer, as I was told twice that the checks were good and cleared, even while being suspicious.

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 2023-08-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-20
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Wells Fargo mortgage co. Is stating I owe {$24000.00} for nonpayment of mortgage payments in XXXX. They state I was put on a deferment at that time. The documentation that they sent me does not show I missed that amount of payments during that time. I never requested or signed any deferment papers with Wells Fargo in XXXX. I was never sent any annual emails or letters stating that. When I applied for a deferment in XXXX I finally received a letter in XXXX hat stated I had made XXXX deferments. One in XXXX For {$24000.00} and than one in XXXX. I did make the deferment in XXXX but not in XXXX. The bank has been lax in sending the documents proving I had a deferment on my mortgage for XXXX. I need documentation from Welks Fargo and the credit bureaus for XXXX that shows the mortgage delinquencies

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 2023-09-20
Company: CL Holdings LLC
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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Affirm 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:
In XX/XX/2022 I unfrooze and refroze my XXXX account in order to apply for a mortgage. In early XX/XX/2022 I decided to work with another mortgage lender and I placed another request to unfreeze my XXXX account. In XX/XX/2022 I noticed that my credit report was reflecting XXXX fraudulent accounts that do not belong to me. In XX/XX/2022 I found that there are XXXX Affirm accounts and XXXX XXXX XXXX XXXX XXXX account all XXXX with balances reporting on my credit. I did not authorize nor did I open these accounts.The XXXX Affirm accounts are reflecting past due balances for a total of {$1900.00} and XXXX XXXX XXXX XXXX is reflecting a personal loan in the amount of {$20000.00}. I have no knowledge of these account nor did I authorize, apply or open accounts with Affirm or XXXX XXXX XXXX XXXX. These accounts are fraudulent and by no means should I be responsible for any late payments and or collections that these account may face. In XX/XX/2022 I placed disputes online to dispute all three Affirm accounts as well as the XXXX XXXX XXXX XXXX account in which came back that these accounts are accurate. In XX/XX/2022 I also contacted XXXX XXXX XXXX XXXX and reported the personal loan account as fraudulent and requested for the account to be closed. At this time the institution did not have my correct social security number as well as my personal information yet this account is coming back from the dispute as accurate. All XXXX accounts, XXXX Affirm accounts and XXXX XXXX XXXX XXXX XXXX account do not belong to me and should be closed and reported as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am being extorted by an unknown person texting me from a number XXXX. They asked me to send them money. First a transaction on Paypal for {$100.00}, then another on XXXX for {$500.00}, and another on Paypal for {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the account XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. XXXX is reporting the account number as XXXX while Equifax reports XXXX is this possible when all data should furnished should be the same? I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: General Motors Financial Company, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/2023, at approximately XXXX, GM Financial repossessed my vehicle using a third-party agent, XXXX XXXX. My vehicle was located on private property not owned by me and the tow truck driver trespassed onto the property without permission to verify the tag of the vehicle from the rear. There was no other way to verify the right vehicle without trespassing. He then backed the tow truck to the beginning of the driveway and extended the tow arm enough to drag the car off of private property and into the street.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Due to  Navient and their lack of interest in helping consumers I was forced into bankruptcy to get relief while I was unemployed. I am now a public service employee and fulfilled the terms Of my bankruptcy. Navient  sent me loan statements   XXXX   dema nding 2 payme nts due on student loans and private student loans totaling {$1000.00} a month which exceeds my monthly income once you factor in living expenses for myself and my child. They told me I can easily afford the payments and could not lower my payment based on income. I sent in my paperwork to qualify me for loan forgiveness on   XXXX   XXXX  . I mailed it and faxed it to the number and address listed on pa ge 4 section 7 on the six pa ge document provided by  Navient . They have no record of any of it. Then informed me the address and fax number previously provided is not the correct information and gave me a different fax number to send it to. No one can answer why the form provided by them has inaccurate information and could n't tell me who 's number was provided that I sent my social security number into. I spoke with several people today and wastes countless hours and achieved nothing. {$1000.00} is not something that I could afford to pay. I am trying to make good on my deb t w Na vient but they are making it impossible asking for something I can not give.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
JP MORGAN CHASE XXXX AND XXXX HAVE COMMITTED WRONGFUL FORECLOSURE FRAUDULENT MISREPRESENTATION NEGLIGENT MISREPRESENTATION AIDING AND ABETTING PROMISSORY ESTOPPEL CANCELLATION OF INSTRUMENT THEY HAD LACK OF STANDING LACK OF JURISDICTION COMMITTED SECURITIES FRAUD MADE FALSE AND MISLEADING STATEMENTS DEFRAUDED THE COURT AND VIOLATED RESPA UNJUST ENRICHMENT THEY FORECLOSED ON MY HOME AND CHASE WHO VIOLATED MANY LAWS THEN STOLE MY HOUSE FOR {$500.00} TELL ME THAT ISNT CORRUPTION THEY BUY IT FOR THAT AMOUNT OF MONEY {$500.00} NOW THEY ARE TRYING TO EVICT ME AND MY CHILDREN

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: MN
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 has alleged that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as 30 days late, which is incorrect and now they changed the XXXX late reporting months to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which is again incorrect. Please see below for the outline as proof as this is also based on XXXX actual statements provided to me, which clearly contradicts XXXX reporting to the credit bureaus. 
XX/XX/XXXX- {$350.00} payment posted on XX/XX/XXXX, which was only 9 days late, not 30 days late. 
XX/XX/XXXX/ XX/XX/XXXX {$260.00} XXXX was made on XX/XX/XXXX, which is 10 Days Before the due date, not 30 Days Late. Furthermore, this payment included XXXX payment, which only made 19 days late, not 30 days late as noted on the credit bureaus. 
XX/XX/XXXX/ XX/XX/XXXX- {$210.00} payment was made on XX/XX/XXXX, which was 1 week before the due date and was not 30 days late. This also included XXXX payment, which was only 21 days late, not 30 days late as reported. There was also a payment of {$110.00} made on XX/XX/XXXX, which was posted on the exact due date was not 30 days late. 
XX/XX/XXXX Paid {$110.00} on XX/XX/XXXX, which was correctly applied to XXXX statement, However, {$110.00} payment made on XX/XX/XXXX was misapplied to XXXX and was supposed to be applied to XXXX, not XXXX. There was also a {$350.00} payment posted on XX/XX/XXXX, which was only 9 days late, not 30 days late. 
XXXX, XXXX, and Experian credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n 15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied that originated from the creditors and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediate and send a letter to me confirming the removal of the 30 day late notifications. 

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 2022-04-26
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX, XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 USC 1681 SECTION 602A. States I have the right as a consumer to privacy.

According to 15 U.S.C 1681- ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


These addresses does not belong to me or belong my credit report. 

1.XXXX  XXXX XXXX XXXX XXXX, FL XXXX 2XXXX XXXX XXXX XXXX XXXX, FL XXXX 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 5XXXX XXXX XXXX XXXX XXXX, FL XXXX 6.XXXX  XXXX XXXX XXXX XXXX, FL XXXX 7XXXX XXXX XXXX XXXX XXXX FL XXXX This is not my date of birth XXXX These telephone numbers does not belong to me or belong on my credit report 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX These names does not belong to me or belong on my credit report. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: CL Holdings LLC
State: ME
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: Problem with personal statement of dispute

Complaint:
In XXXX of XXXX to go ontrip to XXXX, went to XXXX office to check if needed updates to my phone, they said I was all set, flying into XXXX XXXX I lost phone service for the entire trip. Returning home, I contacted them to complain about the matter, eventually I did talk to someone who claimed to be mgr of local office. He explained that I had been misinformed and they needed better training and he was sorry. I then cancelled my contract but they said I would still owe money, which I made clear I would not pay. they kept billing with added charges, I told them to sue instead they turned it over to collection agencies, eventually this Jefferson XXXX filed a claim of non payment which XXXX logged. For the years since I never heard anything back, maintaining an impeccable credit rating up to XXXX A couple of months ago purchased a new vehicle for my wife and things blew up with XXXX reporting to my credit union serious issue re : credit rating, damaging rating down to low 700s fortunately my dealer agreed to match original payments offer. XXXX has been less than helpful saying they are neutral while promoting new credit card offers to me constantly, strange dont you think? Please help me deal with this bogus event.

Company response to consumer: Closed with explanation