BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This Credit Bureau systems has never contacted me. The only reason I'm aware of their existence is because they are continuously reporting this to the credit bureaus. I have tried to fight some on my credit report but they remove it then it shows back up. I never received a bill from the original company. How can I pay something I never even received a bill? 

Debt collectors must speak to my by phone or in person about the debt or mail a letter or electronic communications about the debt and wait for a reasonable amount of time ( usually 14 days ) to ensure it was delivered before reporting anything to credit reporting companies. This never happened. I never received anything, you can not just ruin someone's credit when you don't give them a chance to pay! This is deceptive, I don't know the amount I owe cause I never got the bill! I believe they are trying to claim way more than what I should owe. The debt collection company has to provide me with Name and mailing information of the debt collector Name of the creditor whom the debt is owed Account number associated with the debt An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, called the itemization date. 

The current amount of the debt as of when the validation notice is provided. 

Information about your debt collection rights including how to dispute the debt I never received any statements or anything from original creditor or the debt collection company. The original creditor did have my correct mailing address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
All three Credit Bureaus have reporting from LVNV Funding LLC which I discovered was actually Resurgent Capital Services. They are reporting a debt owed on two separate Credit Card Accounts ( one XXXX XXXX, the other XXXX XXXX ). The amounts shown are for {$730.00} and {$710.00} on accounts showing to have been CLOSED in XX/XX/XXXX and XX/XX/XXXX. 

I currently have open & Current Accounts with both of these banks and as I TOLD this Collection Agency in Writing on 3 Separate occasions I have NO KNOWLEDGE of these CLOSED Accounts. I therefore asked them to provide ANY PROOF these accounts are really mine. ONE FORM showing my signature would serve as such proof and since I sign numerous charges with BOTH Banks I currently use. This seems to be a Logical, Simple and Common Sense Step in aquiring PROOF of Ownership. I stated that with such proof I would be happy to resolve the issues. But again, I have no knowledge of such accounts so I also asked that if they were unable to provide such documentation they REMOVE the false reporting from my credit file. 

Rather than providing me any supporting documentation OR removing the false reporting. This collection Service has instead actually put in writing they expect me to provide PROOF I don't have an account. That's INSANE!! It is impossible to prove you don't own something you don't have. They even provided me with duplicate mailings stating they would NOT continue to correspond with me and have made NO attempt or provided any reason for their FAILURE to provide any proof the accounts exist. And through that action they are basically EXTORTING me to make payments on accounts about which I have no knowledge. 

The Reference Numbers I have been Provided by Resurgent Capital Services are XXXX XXXX And those are the ONLY Actual Numbers I have EVER been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX, fraudulent charges appeared on my Bank of America Credit Card. I immediately notified BOA and they were able to resolve the matter. It was charges in the amount of over $ XXXX in a foreign country. That credit card account was closed and BOA issued me a new credit card. Then in XX/XX/XXXX, the same charges appeared once again, but on my new credit card account. I phoned BOA and spoke at length with an associate and was assured that it would be corrected. By XX/XX/XXXX, the fraudulent charges were still showing so I phoned once again and was again told by the associate that it was corrected. On XX/XX/XXXX, the charges still appeared on my account so I phoned BOA again. I was told it was a " system error '' and the associate said she resolved it it my favor and it would be showing as such in a few days. That did not happen. Thinking that BOA might be short staffed, I decided to wait until after the holidays and I phoned today, XX/XX/XXXX. I spoke to an associate ( XXXX from XXXX  ), at length who told me he was going to open a claim. Open?? What happened to the other attempts at correcting this? He could not give me an answer. So XXXX took all of my information ( again ) and stated that he was going to submit it to BOA 's research department. He said this will take 45 days. He said he relayed my information to his manager and she will request that someone from the research department reach out to me. 
Today was my fourth call to BOA in an attempt to try to resolve this mess. In the meantime, because of the almost $ XXXX in fraudulent charges, BOA is demanding a large monthly payment due on this fraudulent amount. I do have a small balance that I am responsible for and am making more than the sufficient amnt. of payment for that but I should not, and will not, pay payments for the fraudulent charges on there due to a banking error that BOA can not seem to correct. As a result, my on line banking statement is saying that my payment is " past due ''. Now my real concern is that this many affect my good credit that I have had for years ( I'm XXXX ). 
My hope is that someone at your agency can help, or at least have some suggestion ( s ) as to what I can do about this. I feel like I have exhausted my resources. BOA said there is no one else who can help me, so I hope you can. I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Email : 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 monetary relief
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: AZ
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 sent dispute and validation letters but I haven't gotten any response. This information is inaccurate and must be properly verified and if not must be promptly deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Phoenix Financial Services LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I called the number and told the person who answered to " stop calling this private cell number, is that understood ''. They seemed to know the number who was calling and asked if I was a certain person. I repeated myself thrice. Each time they'd refuse to stop calling and ask if I was a certain person. My name is XXXX, not the mans name they're trying to reach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I never received the information regarding the Wells Fargo claim. Especially in regards to the overdraft fees.

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 2018-08-17
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For fifteen years I have faithfully and on time paid my monthly mortgage payment via direct automatic debit from my checking account. The final payment was due in late XXXX. The servicer, Nationstar Mortgage d/b/a Mr. Cooper, did not debit my account for the final payment. I was told that they would only accept payment by wire transfer or cashier 's check sent via overnight mail. I have reviewed my mortgage and do not see any terms that would allow the mortgage holder or its servicer to place such onerous restrictions on the payment modality ( restrictions which will cost me money ). 

The company has also now assessed a late fee. In addition, the final payoff statement includes a recording fee of {$60.00} ; again I don't see anything in my mortgage that would allow that to be charged ; it is a cost of their doing business. 

I have spoken to the company four times and every time the answer is " that's our policy ''. At the end of my most recent call ( XX/XX/XXXX ), I was promised that a manager would call my cell phone to discuss the matter within two hours. Over a week later I have never received a call. 

I wrote to them twice ( attached ) and have not received a substantive response. They have me over a barrel - I can't in good conscience make my final payment because they are making it so hard to do so - both method and amount ( I question their statement ). You will note from the attached correspondence that they will not respond to me for over a month - by XX/XX/XXXX. That puts me another month past due, and of course I have legitimate concerns about their reporting me to credit bureaus I believe that the company is engaging in unfair trade practices by forcing final payment by restrictive and consumer costly methods, adding a recording fee, and not answering my good faith questions. 

Please review the attachments. They document my good faith efforts to engage and their

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: NY
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:
Note : All items listed in this Dispute Letter have been NEGLECTED and REFUSED to be investigate nor validated by Equifax to determine the accuracy. Remove all listed items PROMPTLY. 
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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: NC
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:
I have been actively disputing an account with XXXX XXXX XXXX XXXX  for years. I recently began cleaning up my credit and notice, XXXX was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, XXXX, XXXX, Equifax and XXXX XXXX verified the inaccurate data using E-Oscar and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. 
Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show XXXX was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, XXXX XXXX updated my credit file, again with inaccurate data. There was even a difference in the amount added to the monthly balance for the month of XX/XX/XXXX across the bureaus. One bureau had an increase of {$100.00} and the others {$100.00}. In addition XXXX and Equifax are reporting a high balance of {$6600.00} on a closed account, and the XXXX is showing a balance of {$0.00}. Instead of correcting the data, XXXX, instead chooses to harm my credit file with XXXX, Equifax, and XXXX assisting by validating inaccurate data continuously on my credit file. In addition, when you attempt to contact XXXX about your credit file, they say the account was sold to XXXXXXXX XXXX  XXXX, yet XXXX is reporting. Please remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Earlier today XX/XX/23 I tried opening a CD account with XXXX XXXX powered by Webster Bank XXXX NA '. I followed all their instructions and completed the application, later I got an email saying my application was rejected. I was concerned if not disappointed, and immediately called the bank and spoke to a couple of the staff members, including the lady who pickup the phone, XXXX, and the manager himself, XXXX XXXX XXXX. 

I told them I had provided all the personal information and whatever details they required, and that there's absolutely nothing wrong with my identity and or my credit record, and if there was anything wrong to please let me know, so I may correct it and complete the process. Because, as far I know, I do have an excellent credit record, not to mention my financial background, leave alone my identity. I believe they pretty much are consistent and also speak for themselves, should they or anyone goes checking to verify. 

The aforementioned financial institution should not be advertising something they can not provide, and they should not be gathering valuable information without taking care of their responsibilities. It is only fair that after I take the time to complete their online forms and provide them with my personal details that If I get rejected then I should know exactly why. I asked XXXX XXXX XXXX, the manager, to please write an email about the bank 's final decision and he refused, he refused to cooperate and or offer a viable solution. The bank 's games the bank 's own rules. He told me that if I was concerned I should not bother doing business online. 

It seems improper, if not unethical, for these banks to be gathering sensitive information about potential clients and being rejected for no apparent cause. If there is then let people know. There should be no mystery, everything should be clear and transparent to anyone who takes the time to apply and follow all their instructions, especially someone who, through very hard work diligence, has managed to build an outstanding credit record and has no identity issues. I am also very concerned about how this information can used or misused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
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 have six accounts on my credit report that are not mine they do not belong to me I have not opened these accounts I dont know what they are for I need them off my credit asap!!! 

DEPT OF EDUCATION/OS - Acct # XXXX Amt {$0.00} DEPT OF EDUCATION/OS - Acct # XXXX Amt {$0.00} US DEPARTMENT OF EDU - Acct # XXXX Amt {$1900.00} US DEPARTMENT OF EDU - Acct # XXXX Amt {$1100.00} XXXX XXXX - Acct # XXXX Amt {$1400.00} XXXX - Acct # XXXX Amt {$310.00}

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 non-monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: KY
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 you this CFP complaint today to inform you that I have been a victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please have the following accounts removed from my Credit File as soon as possible : XXXX XXXX Balance {$1800.00} XXXX XXXXXXXX XXXX Balance {$29000.00} Originator Creditor : XXXX XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ), As the Credit reporting Agencies, you shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, my name is XXXX XXXX and I have been trying since XX/XX/22 to get in contact with the three credit bureaus XXXX XXXX and Experian in which they have never gotten back. I have several delinquencies on my credit in which the bureaus don't respond and get back to within 30 days, I have not received results of my investigation and they are saying as an excuse that it is not me trying to contact the bureaus on my credit. I have been dealing with these issues for some months now across all three credit bureaus and I need this fixed as I am trying to get a home. None of the information is verifiable as they either ignore me or throw it back on which XXXX has done on numerous occasions but shows me no proof of the information I am disputing as to how it is my debt and validated. I am reaching out to the CFPB as after dealing with this for 6 months I am done with my rights being violated, ignored and taken advantage of.

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 2021-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2017-05-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Per the FTC the credit bureau 's have to provide me with physical proof of the information they verified for any account, the information has to be provable beyond doubt with valid signatures. Attached is a recent letter I sent them asking for a re-investigation. Each time I have asked the credit bureau to investigate this time, they send back a letter saying to contact the collection agency. The law states the the credit bureau has to prove this information not the collection agency. Thanks.

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