BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: NY
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:
When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. 
It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Experian Information Solutions 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:
I am writing this message in regard to several violations that you have broken. 
1.You refused to correct information on my credit report after being provided with proof several months ago, and this has been an on going incident that is not fixed, I have filed a law suit for defamation and willful injury upon FCRA Section 623 which you will be charged {$1000.00} per erroneous accounts and inquires that are fraudulent. All inaccurate accounts and inquiries listed below are unverifiable information, you have taken more than 90 days to resolve this matter. You then didn't apply the steps as to how and whom which this account has been falsely verified and again you are violating several sections along the FCRA. I am a victim of identity theft, my information was leaked in more than 13 breaches including the recent breach with XXXX, experian, XXXX  XXXX, and more. I am asking for you to perform an internal investigation allowing a total of 3 business days only. I have attached the dates and receipt when i sent several certified letters during the month of XX/XX/XXXX. I have all the evidence the prove that you are violating my rights and as a consumer i am liable to sue you for placing inaccurate items to my credit report causing pain and distress discomfort ability. There is an incorrect balance on the XXXX XXXX. The correct balance is {$100.00} please be advised that this is the correct balance for this month so please fix it. Thank You. Also an in correct address is listed on my credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, please be advised that this address needs to be removed, i have never lived at that address, and that is incorrect information. 

Fraudulent Accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  XXXX 4. XXXX XXXX XXXX XXXXXXXX 5. XXXX XXXX 6.  XXXX 7. XXXX {$1900.00} Fraudulent Inquiries : 1. XXXX 2. XXXX XXXX XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: AL
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:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report.

These are the following lists of accounts that do not belong to me or were opened without my permission : FST XXXX  Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX FST XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX CTR Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$30.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$590.00} Date Opened : XX/XX/XXXX XXXX XXXX ADJUST Account # : XXXX Balance Owed : {$790.00} Date Opened : XX/XX/XXXX XXXX/XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$650.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX OF XXXX  Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$450.00} Date Opened : XX/XX/XXXX XXXX  XXXX Account # : XXXX Balance Owed : {$520.00} Date Opened : XX/XX/XXXX XXXX  FIN Account # : XXXX Balance Owed : {$2700.00} Date Opened : XX/XX/XXXX XXXX FIN Account # : XXXX Balance Owed : {$12000.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A certified letter was mailed to AmeriCollect which was dated XX/XX/2021. The letter was a certified letter that was received by AmeriCollect and the request was a FORMAL REQUEST FOR VALIDATION OF THIS ALLEGED DEBT ( see attached copy of letter ).

AmeriCollect currently has 2 accounts reporting on all 3 of my credit reports that were paid by the State of Florida victim 's advocacy. I was a victim of a wrong home invasion and shooting and all medical bills are paid under this program. ( see attached proof ) AmeriCollect currently has 2 accounts reporting on all 3 of my credit reports. One in the amount of $ XXXX and the other for {$150.00} that they refuse to removed. 

AmeriCollect failed to provide proof of the debt as requested in Certified Mail : XXXX ( see attached proof of receipt ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX and XX/XX/2023 I tried to make 2 payments on my PayPal credit account and they rejected both payments and told me I did not have the funds in my account to pay which was false information with bank statements for evidence. They tried to charge me a fee for a late payment and returned payment but ultimately waved these fees and then they closed my account and hurt my credit score with no explanation and no contact about this information. Now my account is closed with a balance and they gave no reason why.

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 2021-09-15
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
around XXXX of XXXX i had submiteted a request for a replacement card through chat since my account wouldnt give me an option for a replacement card and only gave me an option to deactivate it and replace it under a new account number which isnt necessary. followed up abput a month later through chat that i never got it and was told it would be 666 mins before someone would get back to me through chat. noone ever responded. citi falsely claimed in a recent cfpb complaint against them that their unaware of any requests, however my account disputes that with the chat history. recently went back in the chat history and noticed they did give a reason why they couldn't send it which was sent on the XXXX of XXXX. they claim they couldn't send it because of a discrepancy with a phone number which makes no logical sense to me because citi has sent replacement cards in the past and so has others. a phone number is not a valid indication if your legitimate in who you say you are.

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 2023-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 hope this message finds you well. I am writing to express my sincere gratitude for providing me with the letter you shared earlier, which has shed light on the situation and clarified my understanding of the matter at hand. Your assistance is invaluable to me during this challenging time. 

While I acknowledge your perspective regarding my responsibility for the account in question, I would like to emphasize that from the years XXXX to XXXX, I was unjustly incarcerated abroad, far from the United States. Given my circumstances during that period, it would have been impossible for me to open or manage any accounts. It has recently come to my attention that my uncle, XXXX XXXX, may be the root cause of this predicament. I have discovered evidence indicating that he had access to my identification, even going so far as to use the name " XXXX XXXX '' Regrettably, it appears that XXXX has been exploiting my identity without my consent, shirking his responsibilities, and evading legal obligations. It is worth noting that he is considerably older than I am, which would be evident during the time when these accounts were allegedly established. Additionally, the phone number associated with these accounts is entirely unfamiliar to me, and I have never used it. public records may show it linked to me but he probably used it for numberous other accounts he creaeted so it would make sense. 

I kindly implore your understanding and compassion in this matter. It is my belief that you do not possess my signature on file or have undertaken a thorough verification of my identity. Tho im not blaming your institution, I have reason to suspect that XXXX may have received assistance from his former girlfriend, who was employed there. Her involvement could shed light on how these accounts were initiated she was later fired I humbly request your assistance in rectifying this situation by removing these erroneous entries from my credit report. My hope is to establish an honest and mutually beneficial relationship with your institution, one that I personally initiated and can confidently participate in. 

I appreciate your attention to this urgent matter and look forward to your prompt response. Please do not hesitate to reach out to me. 

Thank you for your understanding and assistance. 

account ending XXXX Re : Account ending in XXXX XXXX XXXX XXXX : XXXX CFPB Case : XXXX ive attached your document below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: John C. Heath, Attorney at Law, PLLC
State: NY
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Charged upfront or unexpected fees

Complaint:
Lexington Law charged me a subscription fee of {$60.00} a month for 2 years promised me results but i never received any results tried to contact them it was very hard to reach someone and when I did, they would just hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Experian Information Solutions Inc.
State: CA
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 WENT INTO THE XXXXXXXX XXXX  OFFICE ON XXXX XXXX, AND XXXX XXXX, XXXX XXXX CALIFORNIA XXXX, TO OBTAIN A {$2500.00} DOLLAR SECURED CREDIT CARD, WHICH I HAVE BEEN INFORMED, DOES NOT REQUIRE A HARD INQUIRY, DUE TO THE FACT THAT I WOULD HAVE PAID {$2500.00} DOLLARS OF MY OWN MONEY PRIOR TO RECEIVING THE XXXX XXXX SECURED CREDIT CARD, WHICH AT THAT TIME. MY PERSONAL CREDIT SCORE/FICO SCORE WAS A XXXX, EXCELLENT, AND VERY GOOD, THEREFORE I PERSONALLY INFORMED THE MAN AT THE XXXX XXXX, THAT I DO NOT WANT A HARD INQUIRY JUST TO OBTAIN A SECURED CREDIT CARD, AND I WAS GIVEN A LETTER THROUGH THE U.S. POSTAL SERVICE, THAT STATES, WE'RE UNABLE TO APPROVE YOUR APPLICATION AT THIS TIME, DATED XX/XX/2020, WHICH WAS CLOSE TO THE DATE I ENTERED THE XXXXXXXX XXXX OFFICE LOCATED AT THE SOUTH-EAST CORNER OF XXXX XXXX AND XXXX XXXX, XXXX XXXX CALIFORNIA XXXX, THE MAN I SPOKE TO WHEN I WANTED TO OBTAIN A SECURED MASTER CARD, WHICH IBWOULD HAVE PAID {$2500.00} DOLLARS IN ADVANCE FOR THE CARD, QHICH I AM AWARE, DOES NOT REQUIRE A HARD INQUIRY, AND WHICH I WAS INFORMED BY THE BANK EMPLOYEE WHOM SITA AT A DESK IN THE REAR OF THE BANK, JUST TO THE RIGHT SIDE OF THE REAR EXIT DOOR. THE LETTER I RECEIVED IN THE MAIL FURTHER STATES " ( HI XXXX. THANK YOU FOR YOUR INTEREST IN THE XXXX MASTERCARD ACCOUNT. WE'RE UNABLE TO APPROVE YOUR APPLICATION BECAUSE WE COULDN'T VERIFY SOME OF THE INFORMATION ON YOUR APPLICATION. " YOUR XXXX TEAM ''. AND I CAN ONLY ASSUME OR ASSERT THAT THE GENTLEMAN AT THE BANK ON THE RIGHT SIDE OF THE REAR EXIT DOOR AT THE DESK, FRAUDULENTLY DID A HARD INQUIRY FOR FURNITURE, AS I CLEARLY READ ON MY CREDIT REPORT, AND I CAN READ AND WRITE XXXX WELL IN PLAIN ENGLISH, AS YOU CAN CLEARLY SEE FROM THIS VERY LETTER. I AM ALSO VERY FAMILIAR WITH THE MANY FORMS AND ACTS OF RACISM, AND I DO NOT OUT NOTHING PAST ANYONE ON THIS PLANET EARTH, I OBSERVE ALL FORMS OF RACISM EVEN BLACK ON BLACK RACISM BECAUSE I CARE ABOUT EVEN THOSE WHOM MAY NOT CARE ABOUT ME AS WELL. BECAUSE OF MY INTELLIGENCE, I WILL CONTINUE TO PERSONALLY AND PROFESSIONALLY FIND THE SOURCE OF WHY I HAVE ALL THESE FRAUDULENT INQUIRIES ON MY CREDIT REPORT WHICH I AM DISPUTING ALL OF THE ILLEGAL INQUIRIES ON MY CREDIT/FICO SCORE.

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 2023-09-28
Company: The Cadle Company
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
On XX/XX/XXXX, I applied for a loan modification due to me getting XXXX and lost my job. I applied for a loan modification through the current mortgage XXXX Mortgage. I was on track for a modification through XXXX mortgage. XXXX Mortgage sold/transferred my mortgage to the Cadle Company on or about XX/XX/XXXX. 
I made contact with Cadle Companys representative, XXXX XXXX and XXXX XXXX told me that they are not under obligation to continue the loan modification. XXXX XXXX has told me that the XXXX XXXX for XXXX does not apply to the Cadle Company XXXX 
I have further researched the Cadle Company and have learned that they are a debt collector not a mortgage servicer. The previous mortgage company has sent the entire loan modification file to the Cadle company that includes my application for a loan modification. I have also sent the Cadle company a copy of the application that XXXX mortgage had sent to them during the transfer. The Cadle Company has not honored the modification and denied my assistance. I applied with NM XXXX for assistance in catching up with the arrears and the Cadle Company has been paid of {$20000.00} to help catch up on my payments. To date, I have had no luck with the Cadle Company completing the loan modification.

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 2023-01-03
Company: Experian Information Solutions Inc.
State: IL
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 certified letter to XXXX, XXXX, and Experian there are inaccuracies on my credit report from XXXXXXXX XXXX  and they took over 30 days to investigate which is a violation to my rights.

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 2023-09-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an account with XXXX XXXX in XX/XX/XXXX. When I went to pay the bill, I could not pay XXXX directly online. Instead, I needed to pay through Wells Fargo. My other credit accounts through WF appeared on my online account profile, but XXXX was not showing. I then used Bill Pay through WF and set the payment to Autopay each month starting with the XXXX payment on the Due Date. I started to incur {$40.00} late fees because apparently the Bill Pay option takes 1 business day. Meanwhile its the same bank. Wells Fargo refuses to refund me two {$40.00} late fees they charged me. Its a scam. Its says right on the paper invoice that if I used any other Bill Payment method other than WF, they are not responsible for the accuracy or timeliness of the online bill payments. But I am using Wells Fargo. This is definitely an issue and XXXX happening to many others. I pay my bills on time and this is them stealing my money on a technicality. This month the payment withdrew from my WF checking account the day it was due, XX/XX/XXXX. They didnt receive it until Monday the XXXX because the XXXX was a Saturday. The payments are set to pay on the due date. I should not penalized if I am paying on the due date.

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 monetary relief
Consumer complaint received 2022-02-16
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which are permanently closed under management of XXXX XXXX XXXX. The fraud started with XXXX XXXX who was the leader committing fraud with my children 's and I identity. When I asked er about entrance to apartment she resigned. They also submitted false evictions an loan debt to my credit report XX/XX/XXXX. They also had illegals living in complex who were entering my apartment stealing documents and spying on me and my 3 girls. They also had an underground basement where the dishwasher sat. They had the home wired with something where they knew our whereabouts. Invasion of our human rights. They switched out my XXXX XXXX hhr between XXXX and XX/XX/XXXX with a like model with XXXX parts. I have a 1099 to prove it. I kept going to round rock police department and they spoke to me like I was crazy. It made me feel they had something to do with it. When I attempted to get an attorney the intruders entered apartment and destroyed evidence. They made threats to my life and it is led to believe they tried to abduct my teenage girls for trafficking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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: Information belongs to someone else

Complaint:
I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. A few years back i lost my wallet at a party in XXXX. Back in XXXX, I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report to support my claim. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PHOENIX FINANCIAL would verify the debt. So I took it upon myself to ask PHOENIX FINANCIAL for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation