BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: Andreu, Palma & Andreu, PL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I recently reviewed my credit report and noticed that there was a charged off XXXX XXXX XXXX ( credit card ) on all three credit bureaus reporting inaccurate information. I reached out to the original creditor about the account, the original creditor ( XXXX ) told me that they can not give me any information on the account because they no longer have the account. The owners of the account is XXXX XXXX XXXX XXXX whose address is XXXX XXXX XXXXXXXXXXXX XXXX. XXXX XXXX XXXX, FL XXXX when I looked on my credit reports XXXX XXXX XXXX XXXX is not listed as the collection agency nor collection attorney that has the account. the address on my the credit reports is showing XXXX XXXX XXXX XXXX XXXX, TX XXXX ( which is a XXXX  XXXX XXXX ) address. phone number is XXXX. I am totally confused as to why XXXX XXXX XXXX XXXX is not being reporting on my credit reports but a XXXX XXXX XXXX XXXX XXXX TX is being reported. why is XXXX, XXXX, XXXX not reporting accurate information? why is Andreu Palma & Palma not revealing themselves as the furnishers of the account if the original creditor said that they have it? Not only that, Andreu Palma & Palma has summons me to court XX/XX/XXXX for a lawsuit. I am asking them if you say I owe this debt please provide me with the original contract with my name listed along with other things. I sent them a certified mail asking this company to validate this debt. I am so confused and I really feel like Andreu Palma & Palma is misrepresenting and being misleading. I would hate to think that they are breaking Statue 15 US code 1692 e3, e7. this is the reason for the complaint today. please help me. they are reporting invalidated, inaccurate information to all three credit reports that is hurting my credit score at this very moment. None of this is making any sense and I am afraid that they are trying to take advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
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: Account status incorrect

Complaint:
Per previous complaint XXXX. Which was resolved, with conditions of XXXX Completing tasks to finalize my servicing needs. XXXX XXXX has not upheld their original promise of removing the late reporting for XX/XX/2017 and XX/XX/2017. These 2 months still show as delinquent. XXXX financial should have removed these items given XXXX XXXX was going through a chaotic system update which hindered my payments from being processed correctly. This is a violation of the fair debt collection act as creditors are supposed to allocate to principal a d interest before any late fees, XXXX XXXX applied my payment to late fees and left my principal and interest still showing due. At the time I received a payoff {$250.00} excluding late fees in which I paid XXXX and again XXXX XXXX violated the FDCA by applying that payment to late fees only. This needs to be rectified, as these erroneous late reporting  have caused difficulties in obtaining new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: Experian Information Solutions 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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-03
Company: Williams, Rush & Associates, LLC
State: GA
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 requested that account be removed remove off of my file Iv requested validation of debt contract signature anything proving the debt is mine. and have not received anything in 120 days I have filed conplaint with FTC. By consumer law codes 15 US 1692. By law account has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: PA
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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 2021-03-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Due to Financial and XXXX XXXX, on XX/XX/XXXX, I submitted application for modification and it was approved. Trial modification for three months, XXXX XXXX, XXXX XXXX, XXXX XXXX. 
After complying with Trial Mod. I called Wells Fargo Home Mortgage, requesting documents for Permanent Modification, was advised I will receive docs. in 15 days.XXXX XXXX, XXXX, spoke with XXXX at Wells Fargo, 31 minutes she kept me on hold, going back and forth asking my inquiries to her XXXX, her conclusion advised it would take 45 days to receive Modification Documents due to load of work. 
Month of XX/XX/XXXX, she advised to pay less amount of loan due to a credit on my account. 
XXXX XXXX, wrote letter also called WF concerns of not having new mod statements and they have not paid my Homeowners Insurance that due XX/XX/XXXX. My modification is up in the air. Im very concerned after Wells Fargo XXXX, had me on foreclosure due to their negligence.

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 2021-03-23
Company: Phoenix Financial Services LLC
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: Old information reappears or never goes away

Complaint:
An account with XXXX XXXX represented by Pheonix Financial Services XXXX XXXX XXXX XXXX Indiana ( XXXX ) was paid as agreed with pay to delete per settlement. The account still reports on Equifax. Already disputed with the original creditor and they stated they have already reported the account to be removed and it still has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear sir or mam LoanCare XXXX XXXX mortgage continues to mis apply my payments. I have contacted the company multiple times and have submitted 2 previous complaints to the CFPB. Please referee the two following cases for specific detail on this on going issue. - XXXX XXXX My payment amount was changed due to escrow need, I changed the amount to meet was is expected. When I reviewed the payment for XXXX, it was misapplied again. Loancare was only able to process my payment correctly for three months. 
I sent a request to correct this issue once again. This error has continued to occur 10 plus times.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2019-06-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have been using XXXX  premier plan product for years with not issues. Beginning in XX/XX/2019 although I am being charged XXXX for the service I have been unable to pull credit. I have called or emailed XXXX  over 15 times. No resolution no ability to pull my credit. Every time I call XXXX I am put on hold for and promised resolution from people all over the glove with not resolution. The reps are not documenting the files so each time is as if I am calling for the first time. 

I am a risk director of a bank for the past 10 years at XXXX XXXX XXXX of florida and the 13 years before at XXXX XXXX ... As of today I can't still pull my credit and am being billed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed that my check was not the usual amount that I usually get. So I contacted the payroll department and that's when I found out that I was being garnished. I got the information of MIDLAND FUNDING LLC and contacted them to find out why. I was told by the collection agency that I had opened a credit card account in XX/XX/XXXX. I have no recollection of doing such thing. I never liked credit card and I was using prepaid cards at the time. I was told The Final Judgment entered on XXXX XXXX, XXXX in the amount of {$17000.00}. Statutory interest accrues in accordance with Section 55.03, Florida Statutes, from the date of the Judgment until the Judgment is paid in full. An outstanding balance of {$28000.00}, plus statutory interest is still owed under the judgment. Therefore I am being garnished 25 % of my check every time I get paid by MIDLAND FUNDING LLC. I sincerely believe that this account was fraudulently opened on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
OnXX/XX/2019 I was hand delivered a check in the amount of XXXX from XXXX XXXX. On XX/XX/2019 I signed the check and endorsed it to XXXX XXXX so he could deposit it into our joint account. At about XXXX XXXX went into a wells Fargo bank and deposited the check into our savings accounts. The teller on duty said he had to get a manager to verify that the check was good. The manager went into the back office and made a phone call to make sure the check was good. After doing so the manager came back and said everything looks good the money cleared and will be in your account on the following TuesdayXX/XX/2019. ( I have pictures of the check and all recipes ) On Wednesday night XX/XX/2019I looked into my savings account and there was a pending refund return on my account. On XX/XX/2019 the funds were posted return unpaid. I was not notified of any transactions from my account and when I called the bank to verify the problem the tellers accused me of stealing and claimed it wasn't my money. I have sence tried to get the money returned to me and have got nowhere. One of the banks people from the fraud department has called me asking me why someone would just give me a check for that amount. Said he was investigating the case and continued to accuse me of forging a check. He told me that he had been discussing the case with XXXX XXXX and that XXXX continued to say he only wrote the check out for XXXX which is not the truth. The Man continues to accuse me and XXXX of doing something to the check. I told him it was none of his business why someone gave me a check for the amount in question but if he did his research he would see that the check was not altered in any way. The Man ( I'm unsure of his name ) then told me that he would be calling XXXX XXXX back to talk to him more about the case and that I would might have to close my account because of the situation. One week later a bank associate called me to tell me that my account was getting closed and could not give me any reason for why that was happening. I am seeking help to get my money returned to me. I didn't think a bank could take money out of someone's personal savings account without notice or after it had been cleared. I also am going to be going after XXXX XXXX Employer from XXXX XXXX XXXX for making a false claim and taking back honest 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 2021-03-22
Company: CARD Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XX/XX/2021 direct deposit was made to card.com, with XXXX XXXX  for XXXX. I requested a new card and change of address. They immediately changed address but requested proof of address 10 days later, thus new card was delayed even still now. Card.com requires 16 numbers of card which is closed account. Called Bank, they said if I want check call card.com support to send check. Received new card but someone ordered another card on their end. They don't have 2 request from me for cards, only one. No one disputed this. They made 2 mistakes which caused delays. One was not accepting the Virginia XXXX driving record with current address, and ordering another card. Now they say they can not activate new card because i have to wait for other card I didn't order, meanwhile I have new card no good to me and my money will lay dormant to me. When I called card.com supervisor AV, I'd # XXXX at XXXX on XX/XX/2021 said she couldn't help that I had to wait for other card. This is totally Incorrect and shouldn't be tolerated where it will clearly inconvenienced a consumer for minimum of 30 days in 8 days from today. XXXX XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Westlake Services, LLC
State: CO
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:
I have been with Westlake Financial Services since XXXX, last month due to fraud on credit cards, and payment arrangements payments disappeared from the system, due to system fraud put me behind, make two payments one {$140.00} XX/XX/XXXX, and {$75.00} XX/XX/XXXX, owed {$93.00} left for XXXX, XXXX says past XXXX told the lease company will catch up in XXXX, for XXXX, I explained medical issues XXXX very rude representatives, told me will repossess a vehicle if you owe {$20.00} People have rights or do they?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, I was never properly notified about any missing payments for my auto loan with Fifth Third Bank. I set up automatic payments in XX/XX/XXXX in which I was just told XX/XX/XXXX that it was only set up for two months and stopped XX/XX/XXXX. I was told the bank sent me automatic operative phone calls to notify me but those numbers come up as SPAM on my XXXX so I do not answer them. I was never given a voicemail, letter, inbox/documents tab on their online banking, etc. about missing payments. I did not know about this matter until I walked out of my home Friday afternoon XX/XX/XXXX to find my car was missing. I immediately called 911 thinking it was grand theft auto but come to find it was repossessed due to the missing payments. I am a very responsible person and make sure to pay my bills on time so I was in utter shock to find this information to be true. I spoke with the company numerous times in which they would not allow me to speak with a representative due to them being busy. I was told there are only 2 supervisors working compared to the 300. I would love to resolve this issue and miscommunication because it was drastically affected my credit history/score. Thank you for your time and looking forward to hearing from you. 

For reference my payments are around $ XXXX/month and I had to pay a total of {$1400.00} to receive the car back. I have paid the past due bill in full as soon as I heard of the event and scheduled payments through XXXX in which that is how far the representative would allow me to go. I am in the process of trying to speak with a supervisor with Fifth Third Bank to help resolve this matter but I was directed to this website. 

Thank you again for your time. 

Best, XXXX

Company response to consumer: Closed with explanation