BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: Levy & Associates, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Levy & Associates demonstrated unfair, deceptive, and abusive collection tactics on behalf of XXXX XXXX XXXX XXXX without a court order and seized my savings account for {$10000.00} on Wed, XX/XX/23, and postmarked the same day. I did not receive the notice which was postmarked on XX/XX/23 to appear in court until Friday, XX/XX/23 which was signed XXXX, XX/XX/23. According to the notice that I received in the mail on Fri, XX/XX/23, the hearing date is NOT until Mon, XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I live in XXXX XXXX NJ. A blank unsigned check was stolen from my car. It was written for {$4000.00} and forged ( with a non matching signature ) and deposited in to the thief 's account at the same bank I bank with, TD Bank. I called TD customer service when I noticed the withdrawal and alerted them of the fraudulent check and froze the account immediately. Later that day the thief went back to the same TD branch and tried to withdraw the funds. The bank called me to question the transaction and they were alerted it was fraud. They wouldn't call the police with the thief in the lobby or help detain him, however I was able to get the police to the bank. The thief was arrested and charges are being pressed for the check/theft. An affidavit was filled out at the bank and notarized and sent in for processing. It has now been a month, and nothing has been done. The bank hasn't called me or even sent me a letter acknowledging the incident. I have called in to customer service and they say it's under investigation but that department can't be contacted. They then told me to take it up with the branch. I spoke with the branch and they alerted me it's in TD 's hands and that they have done everything they are supposed to do. No one has taken responsibility for the situation and everyone seems to point the finger to someone else. The bottom line is the bank should have checked my signature on file and never cashed the check. Even if they did, the transaction was from a TD to TD account, so it should have been a quick reversal. Not sure how much investigation needs to take place when the person was arrested for the check in their own bank lobby. It's not fair I should be out the {$4000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I went to inquire about at apartment a while ago in XXXX XXXX XXXX I never signed a lease agreement or anything so about 3 months back I get a bill in the mail for {$11000.00} at XXXX XXXX for XXXX XXXX XXXX but I never stayed there and then the damage went to my credit for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: WELLS FARGO & COMPANY
State: GA
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:
Wells Fargo atm took my money and will not refund it. Because of this, my mortgage will now overdraw and my account will be charged extra money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent a 609 letter to Equifax onXX/XX/XXXX21 disputing 2 accounts i mailed them certified they received them on XX/XX/XXXX-21 it now XX/XX/XXXX21 i have not received a response from them I sent a 30 day dispute letter to Equifax onXX/XX/XXXX-21i mailed them certified they received them on XX/XX/XXXX21 it now XX/XX/XXXX-21 i have not received a response from them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Experian Information Solutions 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:
This lettter is a formal written request for you to reinvestigate the following unverified accounts listed bellow : I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and ID theft report which are attached. I am requesting these information to be block from my credit report a in accordance with the FCRA .Your company already removed some of the items but 2 XXXX XXXX XXXX accounts remain in my credit. 
Accoording to the fair credit reporting act, 15 U.S.C 1681 your  company is required by federal law to verify through the physical verification of the original signed comsumer contract- any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email fraudulent account. 
I demand to see a copy of the verifiable proof ( an original consumer contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 15 days for each of the accounts listed bellow then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.

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 2023-09-08
Company: MoneyLion Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I tried making a " peer to peer '' payment to a friend through Moneylion -- Moneylion autopopulated a user, ostensibly from information pulled from my phone 's contacts, and sent through {$75.00}. It turned out not to be my friend, but a total stranger, and now they nor moneylion will do anything to fix this error/misleading suggestion.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: MS
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 have spoke with experian since XXXX  about the same inaccurate debt they refused to validate according to the recorded call XXXX and a previous credit specialist for experian rent bureaur failed to validated the debt from XXXX. XXXXXXXX XXXX XXXXXXXX on my rent profile. They also stated they only received a reply and denies a metro compliance investigation into the validation of the debt. It has been several years of back and forth with this dispute where my consumer rights have been continually including the uniformed service codes the protects me against such negligence. They have removed this from my credit file but refuse to remove this inaccuracy from my rental history. this has been listed on my credit pas the statute of limitations and I demand correction and them to be held accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to this company on several occasions asking for verification as to how I owe this company. They have yet to provide debt validation and They are reporting a balance when it is reporting as a charge off I offered to payoff the debt after validation but they are always rude in their responses. They have two accounts reporting that I owe and when I called about them they said they no longer have the debt that it was sold to another company so why is it still reporting monthly as a c/o? I am requesting that both accounts be validated or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Comerica
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I received a direct express card without my knowing my social security check was suppose to be deposited into my account but was deposited on to a direct express card which was sent out to the wrong address so I never knew a direct express card existed until XX/XX/XXXX when my payment was supposed to be in my communications XXXX XXXX XXXX savings account and it wasnt there so I called Social Security and they informed me that my payment had been put on a direct express card and they advised me to call direct express find out why I never received a card and request a card expedited mail so that I can get my money off the card I contacted direct express and direct express informed me that the card had been issued and use that morning XX/XX/XXXX card ending in XXXX but the first card sent to this address ended in XXXXso I informed direct express that I had never received a card I knew nothing of a card and the card had been stolen in the process I found out the card had been sent to an address which is XXXX XXXX XXXX XXXX XXXX my address is XXXX XXXX XXXXXXXX XXXX XXXX so at this point direct express said that the card had completely been used so at this point it was a fraud so they informed me that it was a a second card expedited to this same address on XXXX. So someone received the card before the XXXX when money was put on the card on XX/XX/XXXX. At XXXX am all money had been spent except for XXXX dollars and the would transfer to a new card and expedited to me but by the card got to me it was negative amount on it and then I was informed by direct express that that the XXXX was money that was pending so they went through.I submitted a dispute and it was rejected and the ticket was closed I have reached out to direct express on why it was rejected and I have been informed that there is no way to contact the despute department and I filled a police report and the XXXX police department have reached out to Direct express about getting the full card number and Direct express will not provide XXXX Police Department with the information that they need to proceed with prosecution because they have leads on this fraud investigation. So Direct express will not refund me my XXXX.which was clearly a mistake on there behalf by sending a card to a wrong address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have been calling to get my account and credit updated at XXXX XXXX XXXX. My account had been in forbearance, but I have been trying to get it removed since early XXXX. First, I was told it would automatically end and I could not end it early. Then, after weeks of calling because the forbearance was still showing, I was told that it would not end unless I paid the back due amount. So I paid the back due amount, and my account still has not been removed from forbearance and my credit report has not been updated. Every time I call I am told something different and it never matches up. I have dealt with many banks for many reasons and this is by far the worst one I have ever been forced to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
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: Information belongs to someone else

Complaint:
I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately and that you verify these belong on my credit file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this dispute. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize. XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX AL XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: ARS National Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX, XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XXXX, XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX, I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with ARS NATIONAL SERVICES INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TransUnion XXXX XXXX has reported a debt on my credit report. Account opened XX/XX/2020 The amount is {$1100.00} for a medical debt that I have no knowledge of. When I ask them to send me detailed information they just tell me its verified. Im request that this fraudulent information be removed from my credit report

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 2021-04-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've had an active fraud alert that contains my cell phone number for creditors to contact me and verify Information when placing a credit inquiry. It just expired this month. That has been violated by all 3 companies for the past year. They go ahead and proceed with the process and release my information. I also have an active security freeze through transunion and they continue to let credit inquiries come through. I have extensive credit inquiries processed completely and it has majorly damaged my credit. Do I not have any rights here? Please verify all this is accurate and please let me know what steps I should take to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've had an active fraud alert that contains my cell phone number for creditors to contact me and verify Information when placing a credit inquiry. It just expired this month. That has been violated by all 3 companies for the past year. They go ahead and proceed with the process and release my information. I also have an active security freeze through transunion and they continue to let credit inquiries come through. I have extensive credit inquiries processed completely and it has majorly damaged my credit. Do I not have any rights here? Please verify all this is accurate and please let me know what steps I should take to resolve this matter.

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 2019-06-24
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:
The credit bureaus have failed to provide me with the way they did the investigation. According to the FRCA 611 they have fail to provide me with the investigator name, who they spoke with, how they communicated with the furnisher, the contact information of the furnisher. 


Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$8900.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX   Account # XXXX Amount : {$1200.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$1800.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$1100.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX  Account : # XXXX Amount : {$2200.00}

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 2019-03-27
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiry

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 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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