BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX did not bill me correctly nor sent me my statement to my correct address.and by the time they fixed their error they posted my payment late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 A RECOVERING VICTIM OF IDENTITY THEFT, MY IDENTITY WAS USED TO OPEN MULTIPLE FRAUDULENT ACCOUNTS, AND A BANKRUPTCY. I HAVE FILED A FEDERAL IDENTITY THEFT REPORT FOR FRAUDULENT BANKRUPTCY REPORTING ON MY CREDIT PROFILE, I HAVE TRIED MULTPLE TIMES TO RESOLVE THIS PROBLEM WITH TRANSUNION, AN INFORMING THEM THAT THIS MAY BE A MIX UP OF INFORMATION, ASKIN THEM TO POINT ME IN THE DIRECTION OF THE THIRD PARTY VENDOR, THEY HAVE NOT SUPPLIED ME WITH ANY INFORMATION, DENYING MY REQUEST, I HAVE ALSO SUPPLIED THE XXXX XXXX XXXX XXXX WITH THIS INFORMATION AND A COPY OF MY FEDERAL IDENTITY THEFT REPORT, AND THEY HAVE ASSURED ME IN WRITING THAT THEY HAVE RECEIVED MY DOCUMENTS AND HAVE ARE NOT REPORTING THIS FRAUDULENT INFORMATION TO TRANSUNION OR ANY OTHER THIRD PARTY VENDORS, OR CREDIT REPORTING AGENCIES. TRANSUNION HAS REFUSED TO REMOVE THIS FRAUDULENT INFORMATION FROM MY PROFILE AND HAVE REFUSED TO SUPPLY ANY SUPPORT OF THERE CLAIMS THAT THIS ITEM IS INDEED ACCURATE. I HAVE ATTACHED A PHOTO COPY OF MY DRIVERS LICENSE AND MY SOCIAL SECURITY TO VALIDATE MY IDENTITY, I ALSO HAVE INCLUDED MY FEDERAL IDENTITY THEFT AFFIDAVID TO SUPPORT MY CLAIMS OF THE FRAUD, AND THE FRAUDULENT BANKRUPTCY

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 2022-05-30
Company: CAINE & WEINER COMPANY, INC.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to dispute the adverse account they claim I owe to XXXX from XXXX in the amount of {$130.00}. I have disputed this a minimum of 3 times through XXXX. They responded with a billing statement from XXXX to verify the debt. Their responses from XX/XX/XXXX and XX/XX/XXXX do not verify that I owe the alleged debt. 

I have contacted XXXX about this attempt by this debt collector to collect an alleged debt and they do not have a record of it. XXXX was able to confirm and provide info about my past policies which had termed in XXXX and XXXX. Yet, they continue to report this debt with out validating it per 15 U.S. Code 1692g - Validation of debts. This inaccurate reporting of an account that has not been validated as mine has caused me harm in mental stress trying to get it resolved as well as limiting my ability to get credit on fair terms. XXXX has not done their due diligence either as they have simply parroted the information Caine & Weiner have supplied as being verified due to their apparent business relationship. I demand that this is removed from any and all credit reports created, held, and/or maintained by any and all credit reporting agencies this adverse, unvalidated information has been reported to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: AES/PHEAA
State: CA
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:
I have written to both XXXX, XXXX, and XXXX XXXX pointing out that four student loans ( see excerpts attached ) are reporting inaccurately. XXXX XXXX is currently reporting negative late payments on the Payment Status line on my credit report. These four accounts are marked as closed and showing a XXXX balance. How can the Payment Status line show anything other than Current or Unknown? Historical late payments are shown in the 24 month payment history and should never be shown on the Payment Status Line. 

Such reporting is 100 % inaccurate and is hurting my credit score which is extremely harmful to a current home loan approval pending. 

Please correct this reporting error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear Sir/Madam, I hope this letter finds you well. I am writing to seek your assistance in resolving a critical issue I am currently facing with TD Bank. On XX/XX/2020, my TD Bank account, which contained over {$18000.00}, was suddenly frozen without prior warning or explanation. This significant amount included approximately {$7000.00}, which had been in my account previously, and {$11000.00} from a XXXX ( XXXX XXXX XXXX ) XXXX, for which I had signed a promissory note. 

The reason for my account being frozen, as explained to me by TD Bank, is that they allege to have made a mistake by depositing {$50000.00} as part of the XXXX Loan, which is what I agreed upon in the promissory note. Unfortunately, TD Bank has not provided any conclusive evidence of this alleged error, and my attempts to communicate with the bank have been met with silence, as they have not returned any of my calls or provided a clear explanation for the account freeze. 

The sudden freezing of my account has caused severe financial distress and hardship, as I am unable to access my own funds and carry out essential financial transactions, including paying bills, rent, and daily expenses. Moreover, We had to close the doors to a business that benefitted and made a huge impact on the community, and I am concerned about the adverse impact that this situation has on my credit history and financial well-being. 

I kindly request your intervention and assistance in resolving this matter promptly. I believe that an objective review of the circumstances surrounding the XXXX Loan disbursement, the promissory note, and the actions taken by TD Bank will help shed light on whether any mistake was made and whether the account freeze is justified. I am fully committed to cooperating with any investigation or review required to reach a fair and equitable resolution. 

I am grateful for your time and attention to this matter. Your support would be invaluable in helping me regain access to my funds and understanding the situation better. I kindly request that you investigate this issue and take any necessary actions to expedite its resolution. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
State: VA
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 have sent Experian several disputes as to them matching me to a bankruptcy that does not belong to me. And they keep sending information stating they verified it through XXXX XXXX and other third party agencies, but have it listed on the credit report they receive this information from the bankruptcy court I have asked them several times to send me information from the Court that verified this and they have failed to do so. XXXX told me to contact Experian in regards to this and Experian tells me contact XXXX just running me back and forth I have no accounts in my credit file that are in bankruptcy. This is really harming my credit and the also in violation of the FCRA with reporting inaccurate information that has not been verified. My next step is to file a civil suit if Experian fails to remove this from my public records immediately.

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 2023-02-06
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage obligation to Shellpoint Mortgaging Servicing was paid in full on XX/XX/XXXX. In spite of my written requests to Shellpoint dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Shellpoint has failed to my requests for a reconciliation of my loan payoff demand compared with the correct mortgage balance as determined from my books and records. I believe that I am owed additional refund amounts, and can not get Shellpoint to substantively respond to my requests, other than to send a form letter acknowledging the existence of my requests. 


I attach copies of the final escrow settlement statement dated XX/XX/XXXX, showing an escrow demand amount of {$570000.00}, and copies of XXXX checks from Shellpoint Mortgaging Servicing in the amounts of {$630.00} ( dated XX/XX/XXXX ) and {$2.00} ( dated XX/XX/XXXX ), respectively, for a combined amount of {$6600.00}, issued to me as escrow refund and unapplied disbursement. 


In addition, Shellpoint has filed to issue XXXX XXXX, Mortgage XXXX Statement, for XXXX, required to be delivered to me not later than XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Square Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I was approached by an online seller to use the " Cash App '' by Square as they could use the funds immediately to ship my product. Working in the financial services industry, I loaded up the app and found I was able to pay with my debit card so I decided to do the transaction. I was not greeted by any terms of service, nor was I told that the funds would be non-reimbursable. XXXX, a similar competitor using bank accounts, strictly tells you every time that most transfers are not able to be returned. So I felt safe and proceeded as I figured this was just Square 's version of XXXX. I made the payment but I immediately started getting concerned as the online seller would not produce a shipping number. I still have not received the items. I contacted my bank ( XXXX XXXX ) and started a Reg E fraud claim on XX/XX/XXXX but they stated that I would have to contact Square as they viewed it as a transaction with Square and that the end user would be Square 's responsibility ( on XX/XX/XXXX ). I attempted to contact Square multiple times but their phone number only refers their merchants to use their number and without this number I can not get through. Square is acting as a merchant servicer and they are not providing protections for the users. Furthermore, there is no way to report a user for fraud. Square is not doing their part to protect users. The amount was for {$330.00} and the product I was purchasing was a used XXXX XXXX and some games.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with AD ASTRA REC plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2022 up until now they call almost every day. They are very rude and disrespectful. They curse at me and keep calling me over and over again. In accordance with the fair credit Reporting act LVNV funding has violated my rights. 15USC 1681Section 602 States that I have a right to privacy. 15USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. I've also never opened a windstream account but there are two on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a collection letter claiming to owe {$260.00} to XXXX XXXX. This is the second time this collection has been attempted. Letter is attached. 

The debt is not correct. I do not owe this money. When the first collection agency contacted me I called XXXX XXXX and verified the bill had been paid in full. XXXX assured me they would take care of the collection activity. 

They did not take care of the collection activity and I now find myself having to deal with another demand notice from a different collection agency.

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 2023-01-19
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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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. 

XXXXXXXX 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  15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 non-monetary relief
Consumer complaint received 2022-03-01
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: KEYCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Please refer all my complaints about Keybank. I have a checking and savings bank account with Laurel road bank. It's Keybank. I have my salary direct deposit in this account. Since XXXX XX/XX/2023 I am not able to access this account. 

Whenever i tried to login I am getting this message : This is the message I am getting Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or XXXX XXXXXXXX that i need to call the bank. 

As I have two bank account with Laurel Road - Keybank. Checking ending in XXXX and saving ending in XXXX As per the statements ( attached ) -they charged me {$20.00} overdraft fees on XXXX XX/XX/2023 for no good reasons. 

I asked them to provide me all the statements as I am not able to access it online. Keybank hasnt provided me the statements till this point of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting 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 often monitor my credit report and noticed today that there are XXXX inquiries on my credit report that I did not initiate so I called both credit card companies XXXX is investigating and the other I am on the phone to make them aware that this is fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm not liable for debt with XXXX XXXX, I do not have a contract with Portfolio Recovery Associates , LLC. They did not provide me with the original contract as i requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion is reporting the following items inaccurately XXXX see enclosed ). This violates the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: EQUIFAX, INC.
State: CA
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:
EQUIFAX HAS REPEATEDLY IGNORED MY DISPUTE IN REGARDS TO A LATE ON MY XXXX  XXXX  ACCOUNT-XXXX  THIS ACCOUNT HAS NEVER BEEN DELINQUENT OR PAID LATE. IN THE YEAR 2011. AND EQUIFAX IGNORES THE GUIDELINES PUT IN PLACE BY THE FCRA ... AND I DISPUTE THESE LATE CHARGES THAT ARE REPORTING ON MY EQUIFAX CREDIT REPORT.

Company response to consumer: Closed with explanation