BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: NY
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 complaint has been sent numerous times already that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently was offered an upgrade from Capital One they would upgrade my Quicksilver One card to the Venture One card. I upgraded to the Venture One card because it offered no annual fee which was a change from the Quicksilver which had a {$39.00} annual fee. I was not aware the fee for the Quicksilver one was charging right as the upgrade was happening because the new statement was not available. I called Capital One on XXXX to request them to waive the fee because it wasn't really fair to charge a fee for a card that just switched. They were very dismissive and immediately balked at my request and said it was not even an option. The first representative XXXX immediately dismissed my request without explanation so I requested a supervisor, I was connected with supervisor XXXX who barely listened to the situation and immediately told me there was nothing they can do. I asked for XXXXXXXX XXXX supervisor and she dismissed me and said her supervisor doesn't talk to customers. She told me I could try to call back to the XXXX number again and ask for a different supervisor. I found this to be completely unacceptable. All I would like is the {$39.00} fee waived. I have been a long time Capital One customer and am always in good standing with them. I feel like a one time courtesy fee reversal is not an outrageous request especially for a long time customer. I could understand if the annual fee was charged 6 months ago, but it was literally within XXXX days of the card change. Also, I don't feel as though XXXX or XXXX were sincere and wouldn't even listen to the request- they just immediately said no and immediately said it is against policy.

Company response to consumer: In progress
Consumer complaint received 2023-03-02
Company: Progrexion Holdings, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
The company, creditrepair.com, charged me {$69.00} per month with the promise of improving my credit score. However, they failed to deliver the services they advertised. In fact, they did not take any meaningful action to help me increase my credit score. I recently received a letter from the Consumer Financial Protection Bureau stating that they have closed their filing against the company in XX/XX/2023. 

Due to the company 's failure to provide the services promised, I requested a refund for the amount I paid. However, the company rejected my request. I have attached a letter that clearly shows their lack of action and failure to provide the promised services. It is only fair that I receive a refund for the services that were not delivered as promised. 

My account email is XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Account XXXX : {$32000.00}

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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 ordered a copy of my report from XXXX and I found out that the credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the XXXX, XXXX, and TransUnion has not replied to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts : XXXX  XXXX Balance Owed : {$3900.00} ; XXXX  XXXX Balance Owed : {$4600.00} ; XXXX  XXXX Balance Owed : {$3300.00} ; XXXX  XXXX Balance Owed : {$0.00}, as I believe these are reporting in error. I request an investigation and verification of these accounts to appear accurate information on my 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 2023-10-30
Company: EQUIFAX, INC.
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:
Under 15 U.S.C 1681c. 

From early this year to present date of XXXX Companies from XXXX XXXX, Equifax and XXXX. Have published my personal debt without authorization and would like for them to be deleted immediately. These are grounds for discrimination against me and scope of investigation without my consent.

Company response to consumer: In progress
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: MD
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 fourth 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, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX DPT EDXXXX XXXX Balance : {$0.00}

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 2022-02-18
Company: Healthcare Receivables Group, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name XXXX am sumbitting this complaint without any influence from any third party or agency on how my privacy and XXXX has been invaded. Please see attached documents as it entails the full complaint and request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo reps reply to below issues by referring to prior replies which either state the payments in question show cashed or address verified. The payments may show cashed in which case, not by myself.. As stated numerous times prior, the payments were sent after I moved from address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CT XXXX. I moved in XXXX of 2020, payments in question including amounts of {$3700.00} plus IRS taxes and {$500.00} plus IRS taxes were sent months after I moved and as far as I can tell, cashed by another party in my name. I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX I've explained this in prior complaints, needless to say, Wells Fargo reps have not addressed issues.. There is mention of a letter signed which was not by myself, agreeing to payment amount of {$500.00}, also sent to old address after moving.. I can assure the CFPB this letter was not signed by myself.. Further, the amounts in total, {$4200.00}, do not cover damages sustained as result of Wells Fargo reps opening various checking/savings accounts which I did not need or want..I 've called the executive phone bank with Wells Fargo numerous times, given various bogus/incorrect numbers for Remediation Dept for unauthorized accounts. It appears Wells Fargo reps are trained to provide wrong numbers in order to dissuade customers from reaching correct dept. In order to locate correct number, I had to call XXXX, the company whom issues checks for Wells Fargo, given correct number which I've been calling on and off with no resolution ... I've spoken with several supervisors including XXXX and XXXX, requested whereabouts of checks, reasonable settlement offer, new claim rep assigned... To date, nothing done in re to any of those three requests.. Please note, the payment amount of {$3700.00} was reported to IRS for tax year 2020 and needs to be updated to show no payment since it was not received/cashed by myself. Failing to honor this request, Wells Fargo is liable for interest and fees charged by IRS, should my return be audited for not reporting such payment..

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 2023-10-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: MO
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 ordered a copy of my report from XXXX and I found out that the credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the XXXX, Experian, and XXXX has not replied to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts : XXXX  XXXX Balance Owed : {$3900.00} ; XXXX  XXXX Balance Owed : {$4600.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX  XXXX Balance Owed : {$0.00}, as I believe these are reporting in error. I request an investigation and verification of these accounts to appear accurate information on my 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 2023-12-27
Company: ALLY FINANCIAL INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Someone had opened an account at Ally Bank in my name and tried to transfer almost XXXX to it.

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 2023-06-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
TODAYS DATE : XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXelephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I enrolled into XXXX XXXX however Ive never attended none of the classes .I failed to withdraw from the classes due to me failing to withdraw from the classes I ended up with an outstanding balance of {$980.00} fir failing to withdraw a class I never attended. I ended up paying the bill and a negative mark was left on my credit .Due to section 15 usc 1681N.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As SLS failed to address most of my prior issues, we will try again. I will number them and use small words. Maybe that will help.

1. Apology NOT accepted for SLS failing to have my information on record. An apology does nothing to address the stress caused by being locked out of communicating for a month, unable to even start trying to resolve the multiple errors. SLS needs to ensure that never happens to anyone ever again. Preferably, CFPB should ensure SLS never does that to anyone ever again.

2. The documentation provided in the SLS response to the previous complaint clearly shows the tax payment made XX/XX/XXXX. There is no excuse for SLS duplicating this payment. I expect an explanation AND written confirmation that the lowered escrow amount due to SLS 's error will NOT factor into the next escrow analysis. 

3. The payments (? ) summary provided does not include ANY monthly payments. Provide documentation of the monthly payments made for XXXX, XXXX, and XXXX. 

4. The statements received from SLS do not reflect any principal or escrow payments made in XXXX ( " Paid Year to Date '' ). This is false. Principal YTD {$4800.00}, Escrow {$5700.00}. Clearly shown on final XXXX statement. SLS needs to explain why it does not show these AND ensure these amounts are reflected going forward. 

5. Forbearance : " Regarding the claim that SLS did not honor a forbearance approved by the prior servicer, we respectfully disagree. Enclosed is a copy of the forbearance confirmation sent to you, detailing the account was in a forbearance that began on XX/XX/XXXX and the end date of the forbearance is XX/XX/XXXX. '' SLS 's " respectful disagreement '' is completely WRONG. As previously stated, the loan was in forbearance with XXXX since XX/XX/XXXX. XX/XX/XXXX is not correct or acceptable. In addition, the SLS forbearance letter states it ( SLS ) is instituting the forbearance plan ( which, if true, would be wholly unacceptable as it did not consult with me to do so ). SLS is claiming that my complaint - that it did not properly transfer the forbearance plan already in place- is incorrect, but its own response and supporting documentation shows it ( SLS ) does not acknowledge a XXXX  forbearance plan or reference the correct date.

6. That SLS failed to correctly apply the forbearance plan ties directly to its claim that the XX/XX/XXXX payment was " due ''. As the loan was in CARES Act COVID forbearance - and had been so since XX/XX/XXXX, and had been extended through XX/XX/XXXX with XXXX, no payment was or is currently required.

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 2023-11-06
Company: Experian Information Solutions Inc.
State: GA
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:
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. 

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, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/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 2022-12-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TD Bank has grossly mishandled my payment for an account, improperly reported my account as 30-days past due, and despite its own recognition of its error and compelling evidence I have submitted, refuses to correct my credit report, despite several attempts on my part. I believe this is a violation of the Fair Credit Billing Act, and other consumer laws, and seek immediate remedy from the Company. Please see attached documentation, for an extensive discussion of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
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 and off again ; From the first XXXX of the Year of XXXX to My new account t as of XX/XX/XXXX ; TOYOTA FINANCIAL SERVICES ; have been, I REPEAT AND I APOLOGIZE FOR MY TEXT LANGUAGE BUT THIS IS HOW FAR THEY HAD MAKE ME ANGRY ON HOW TO RESOLVE PAYMENT PROCESSING ISSUES ON THEIR SYSTEM ; I HAD THE WORST XXXX DISGUSTING TIMES WITH THIS HORRIBLE XXXX COMPANY AS IF I NEVER CALL THEM OR CURRENTLY HAVE PAST DUE AMOUNT DUE TO THEM NOT EVEN ATTEMPTING TO TAKE MY XXXX MONEY FROM MY XXXX BANK ACCOUNT IF I NEVER CALL AND HAD TO TALK TO OVER XXXX SUPERVISORS AND MANAGERS TO RESOLVE THIS ISSUE ; I WAS UNABLE TO GET ANY FOLLOW UP ON ANY COMPLAINTS FOR THEM TO MAKE SURE THERE WILL BE NO MORE ISSUE WITH THE PAYMENT ; ALL I SEE WAS AN ATTEMPT FOR THIS COMPANY TO REJECT ALL MY PAYMENT AFFECT MY CREDIT WITH BOMBARD THREATS AND CALL AS WELL AS NOW A POTENTIAL LAWSUIT WAIT FOR ME SINCE THEY ARE CURRENTLY REFUSING TO TAKE MY MONEY IN THE LONG RUN BUT IM STILL OWE THE LOAN ; THATS NOT FAIR AND I WONDERING WHY I HAD THIS PROBLEM WITH ALL PAYMENT ; I EVEN REQUESTED THEM TO REVIEW THEIR PHONE LOGS AFTER CLAIMS THEY WERE GOING TO DO AN INVESTIGATION ON MY ACCOUNTS ; I DONT KNOW IF THEYR ARE TRYING TO BE RASICT OR NOT BUT PLEASE GET TO THEM TO FIX THIS ISSUE AS I ALREADY HAD A THREEWAY CALL BETWEEN THEM AND BANK SEVERAL TIEM TO ADDRESS THIS ISSUE AND THIS IS STILL A XXXX PROBLEM THAT SHOWS THAT THEY ARE LEGALLY ATTEMPTING TO DAMAGE MY FINANCIAL FUTURE AND SECURITY ; PLEASE RE-READ THIS AS THIS IS MY CURRENTY STATE OF MIND WITH THIS COMPANY DUE TO THIS UNRESOLVED UNRESOLVED XXXX BELIEVABLE ISSUE IS STILL CAUSING ME PROBLEMS I ACTUALLY HAD THEM EMAIL MY COMPLAINT THIS TIME AS THEY LOST ALL DOCUMENTATION I REQUESTED WHEN I ASKED EACH REPRESENTATIVE TO REVIEW THE ACCOUNT TO ADDRESS MY ISSUES.

Company response to consumer: Closed with explanation