BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: Larsen & Associates, P.L.
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 am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account # XXXX with XXXX XXXX, XXXX Matter Account ID # XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX are attempting to collect an alleged debt on the basis of fraud. Demanding payments for alleged debt for XXXX XXXX XXXX XXXX, XXXX that has been paid in Full. The collection of any alleged debt after being PAID IN FULL would be a case of unjust enrichment, and fraud on the homeowners and consumer. All payments are up to date with the XXXX XXXX XXXX XXXX and a recent deposited check attached. I am not responsible for any payments for this XXXX ID # XXXX. I have no business with XXXX XXXX, XXXX and its successors. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX are " third-party debt collector ''. I do not have a contract with XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX or owe a debt to XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX is attempting to collect a debt on the basis of fraud. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX has recorded false, derogatory, defamatory and slandering information about me to the XXXX County court and public records which has resulted in my being damage, such action cause by way of denial of credit on my Property at XXXX XXXX ct XXXX FL XXXX due to the inaccurate and negative information! XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX decided to ignore my demands for Validation and remove the FRAUDULENT Notice of lien on my property immediately. Over the past several months, I have tried to resolve this issue on XX/XX/2017 and etc by Demand to Cease and Desist ALL Collections Activities but to no avail, refusal. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX decided to ignore my demands for Validation. Provide proof of claim with evidence that you have legal and lawful authority to collect. 1. ( actual accounting ) 2. ( sworn affidavit or signed invoice and 3. A copy of the contract binding both parties. Failure to substantiate the claim, remove lien immediately. I will further pursue all of my legal remedy without further notice to companies. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX actions among others are violations of the federal Fair Debt Collection Practices Acts ( FDCPA ) of multiple state and Federal laws. Relief from Intentional act of fraud. Fraud, deliberate concealment of material information, fraud is a felon. This is Dishonor in commerce, Fraud, Conspiracy, and Racketeering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: SC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXXwww.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX AT T ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/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 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 2022-02-28
Company: Diaz & Associates, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter stating I owed {$4500.00} on a debt from XXXX XXXX. I have never owned anything from XXXXXXXX XXXX or acquired any debt from XXXX XXXX 
On XX/XX/22 I contacted Diaz & Associates regarding the alleged debt. I was informed that this debt was from something that they claim was previously on my credit report and removed. They stated the the alleged debt was from XXXX. I informed them that this must have been fraud and advised that their was a statute of limitations on the collection of debt, however he said I still owed the debt. I informed them that it was fraud and I do not owe the debt. 
Apparently this company is purchasing old alleged debt or making up debt in an attempt to collect, long after the statue of limitations on collections. Attached is the letter. Please contact them and have them remove my name and information from their system

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home at the beginning of XX/XX/XXXX. Due to that, my property taxes were paid twice ; once through my escrow account with my mortgage company, United Wholesale Mortgage, and a second time through the title company as part of the closing on my refinance. The check from the title company was cashed first by my county. The money paid from my escrow account was refunded on XX/XX/XXXX by wire transfer. I have the wire transfer number from my XXXX XXXX. I contacted United Wholesale Mortgage on XX/XX/XXXX to find my refunded property taxes. I was told that it would take XXXX business days for them to send an inquiry to the third party, XXXX, who handles the payment of property taxes. On XX/XX/XXXX, I inquired again. I was told that there was no information and that until my money shows back up in my now closed account, they can not help me. I have provided the wire transfer number and the date. To this date, no one has contacted XXXX to verify the wire transfer back from my county. I have called multiple times, sent an email and a letter. I have not gotten any information. I have asked for the phone number to XXXX, the company that my county sent the wire transfer to and United Wholesale Mortgage has agreed paid my property taxes. XXXX will not give me a phone number to track down this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX  XXXX Balance Owed : {$580.00} ; XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX XXXXXXXX Balance Owed : {$380.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

Company 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 2021-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 had a water filtration system installed in my home in XXXX. The company financed it through XXXX XXXX, XXXX. and did not furnish me with the terms and conditions of such financing to include filming a lien against my property. When I sold the property, I was made aware of the lien. I believed the lien to be satisfied at the time of the purchase when my property sold in XXXX of XXXX, only to receive a letter later in XXXX stating that the account was going to collections unless I took immediate action. I called and set up a payment plan to get current, paying {$570.00} in XXXX and XXXX of XXXX, then a payment of {$230.00} in XXXX to be caught up and resume my normal monthly payments of {$130.00} thereafter. The company reported to all three credit bureaus that the account was now in collections and remained in collections until I paid it in full XX/XX/XXXX. I contacted the company, XXXX XXXX, to get this matter fixed to no avail. I disputed it with the credit bureaus and their investigations sided with the company.

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 2023-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
It was reported to me from XXXX XXXX that I hard Inquiry on my account done by my Capital one bank. 

I neither authorized nor was informed of this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This contract with XXXX XXXX  has been rescission and should not be on my credit report. Please remove any derogatory statements from my credit report immediately. I have attached a copy of the rescission papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had the same credit card with Wells Fargo Bank and it is NOT the marketed XXXX Wells Fargo credit card by the XXXX on the Wells Fargo website but I believe this is a fraudster scam emanating out of Wells Fargo Bank as a result of my use of a XXXX credit card when staying at a hotel. 

The XXXX advertising the Wells Fargo XXXX credit card is a fraudulent scheme, in my opinion. 

As a result, I, in my opinion after careful research believe that the source of this Wells Fargo scam, the XXXX, selling the XXXX XXXX credit card on the Wells Fargo secure banking website is possibly the source of some spam email I have been receiving, of which I logged an FTC complaint. 

The spam email I received and reported to the reportphish website at Wells Fargo Bank is coming from coverage, XXXX XXXX and the marketer on the XXXX Life ecommerce.com website is offering XXXX XXXX, {$250000.00} XXXX XXXX at {$15.00} per month. 


He appears to be the XXXX selling XXXX XXXX credit cards, probably French and might be connected to the fast talking frenchmen making the XXXX XXXX out of XXXX  XXXX. 

It appears to be the XXXX at Hotels credit card using Wells Fargo Bank, of which I am a depositor FDIC insured for XXXX Thus this is a Wells Fargo Bank scheme with the XXXX in charge and my money is FDIC insured at Wells Fargo Bank. 

Is this how a bank operates on United States soil?

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 2021-01-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
LakeView/LoanCare is servicing my current VA loan ( Loan No. XXXX ). I initiated a " streamline '' refi with Lakeview in XXXX XXXX. Completed required documentation and waited. After six weeks I contacted the person I first talked to ( XXXX XXXX ), who I assumed was handling the refi, he just referred me to another person ( XXXX XXXX ) as if he had no further involvement and didn't care. The person he referred me to assured me that the " final docs were expected that day '' ( XX/XX/XXXX ) and the anticipated closing date was XX/XX/XXXX. When that date past without word, I contacted XXXX XXXX again. He then informed me that he was waiting for XXXX to pay the XXXX XXXX property taxes and suggested I contact them to request they pay the taxes. I was stunned that this was coming up now. I managed to finally get XXXX on the phone, they informed me that LakeView had initiated a " netted payoff '' so the could/would not pay the property taxes with the " netted payoff ' in progress! This was my first indication that my XXXX taxes hadn't been paid, when I checked with XXXX County I discovered that I now owed not only overdue property taxes, but an additional penalty of {$390.00}. I've contacted, or attempted to contact Lakeview and XXXX numerous times. It's nearly impossible to get anyone on the phone, but even when I have, they just point fingers at each other! 
I don't feel it's my responsibility to pay this {$390.00} penalty. But after numerous attempts, phone calls and emails, all gone unanswered, I am still waiting for someone to help resolve this issue. My XX/XX/XXXX property taxes remain unpaid, and XX/XX/XXXX payment will soon be due! I find it totally unacceptable that they will not pay the taxes, and fail to respond to my many attempts to get them paid! 
My refinance? I have no idea where it stands!!! No one will contact me!

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 2021-01-14
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: Account information incorrect

Complaint:
My credit report shows two XXXX XXXX XXXX accounts that were charged off. At no time did I have two active accounts with them. Their records should indicate that the older loan was rolled over into the new one which they secured with my auto,. The car was totaled and they were paid all but XXXX for that loan which they settled with me and which settlement I paid in full.

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 2021-01-14
Company: CITIBANK, N.A.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
This is my second time I am filing a complaint about this. I wont be writting down all. I just would like to add on to my letter below that my account is still being charged of some automated payments that I do not agree with. 

XXXX {$540.00} XXXX {$110.00} intrest XXXX {$250.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
When I logged into my BofA account, the bank presented me with a page takeover screen with only XXXX option to accept changes by the bank.

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 2021-01-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is serious with Equifax, i noticed on their website i was a part of their data breach, they never mentioned it, so for the past 6 months i have did what they asked and submitted soc security card, license, and utility bill in XXXX, nove and XX/XX/2020, i finally receive something in mail today stating we can not locate your credit file. 

I keep trying to call i cant get thru the automated verification process because someone or something changed my answers, so nothing is matching. I put in my phone address etc nothing is matching. Equifax will not help me or address these issues other than to deny me access to my information by phone or by mail i have mailed proof 3 times and im fed up. I am a victim of the data breach i figures this out tonight and put in my social and it came back yes your information was affected, so im at a loss i need some help to get this problem resolved. 

Yesterday I received a letter from equifax my file is not found. Now i am trying to buy a car, my report is XXXX with XXXX and XXXX with XXXX but only XXXX with equifax, im so upset, this is destroying things for me. Equifax will not help me. 

Please help me Regards, XXXX XXXX XXXX, XXXX, XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
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:
please remove accounts which are not mine and never belong to my transactions.

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 2023-02-03
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX, I reached out to the original creditors XXXX XXXX and XXXX XXXX to verify that I did not have any unpaid balances. They both verified that I did not have any outstanding balances that were reported to XXXX XXXX XXXX. On XX/XX/XXXX and XX/XX/XXXX, I reached out to XXXX XXXX XXXX and let them know that they reported 13 charges to my credit report that do not belong to me. I explained to them that these charges belonged to my twin brother who passed away on XX/XX/XXXX. They verified my social security number and realized that the social security number on file did not belong to me. Even after being aware of this information XXXX XXXX XXXX still continued to report charges from my twin brother on my credit report. I filed a dispute with Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All of the items have been removed from my credit report except for the charges of {$420.00} and {$2000.00}. Since then, they have removed the charge for {$2000.00} but the {$420.00} still remains as a negative item on my credit report even though Experian has closed this dispute. Experian has allowed XXXX XXXX XXXX to report inaccurate information on my credit report. By not removing these items from my credit report, I feel that Experian is deeming these charges valid and will not be removing them from my credit report as previously demanded on several occasions. These are not my charges and I have tried to dispute again however Experian will not allow this. Before these items were falsely reported to my credit report, my XXXX XXXX was XXXX. My XXXX XXXX decreased by over XXXX points. This has negatively affected my credit score which in return can cause me to have to pay higher interest or even be denied for a loan.

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