BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-08
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Today XX/XX/18, I received the attached notice ( Wage Garnishment Notice ) letter from the Law Firm ( XXXX XXXX XXXXXXXX XXXX ) representing a Collection Agency ( XXXX XXXX ) regarding a debt owed to one of my creditor ( XXXX XXXX ) for an erroneous amount of {$2800.00}. 
On XX/XX/18, I contacted the Law Firm- XXXX XXXX XXXX and spoke with a Mr. XXXX XXXX XXXX XXXX, and explained that I did not owe the requested amount of {$2400.00} ( at that time ) to XXXX XXXX and please provide documentation to support the charges. I was told by Mr. XXXX, that the Law Firm would return the debt to the Collection Agency for  validation and to call back in a week. On XX/XX/18, I called back but was not able to speak with Mr. XXXX, so I left a voice mail message asking to return my call at XXXX, regarding the current dispute with Midland on behalf of XXXX XXXX. I never heard from MrXXXX XXXX at that time. 
On XX/XX/18, I called again and spoke with Mr. XXXX and asked him why didn't he return my call, because I would really like to settle this debt. I was told that he had a note in the file that say " do not call me '' and was honoring that agreement. I said, but when we last spoke and you asked if you could call me back and I gave you my number. He then preceded to tell me he had not heard back from the Midland/XXXX XXXX, give it a couple more weeks. Wow! 
On XX/XX/18 ( Four months later ), I received this notice to garnished my wages. How is this possible, when I have repeatedly disputed this debt with with this Law firm? 

Please help stop this kind of Injustice, to the consumer. I have been trying to work with all my creditors a and have been successful, unless they are like thisLaw Firm. 

I would like them to cease and desist collection matters on this account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, AND XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: EQUIFAX, 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:
Contacted XXXX on XX/XX/2018 about the dispute I submitted today regarding an alert I recieved today. XXXX XXXX XXXX showed a collection item with XXXX XXXX XXXX XXXX, but was unable to validate it with me. 

XXXX fraud resolution stated that they don't have to get documents, they verity only the name, address, creditor, and balance. I said even if the account is NOT my debt. I requested that they verify the debt by getting contracts, payment history, or something to validate that debt is legitimately mine, or if they can't validate it to remove it immediately. 

They said they are in the process of investigating it. 

Sent Equifax a dispute requesting the same account validation stating that it was not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After XXXX XXXX submitted an improper code to the three credit bureaus that indicated my mortgage loan was in a current loan modification status, causing severe and detrimental decreases to my credit scores, they updated late payments from XXXX, XXXX, XXXX that EQUIFAX, XXXX AND XXXX, further decreased my scores. Why the XXXX would these reporting agencies not know that if I had late payments back in XXXX, XXXX, XXXX that they would have already been accounted for in my credit score back when they were late? Instead EQUIFAX and XXXX decreased my scores in XX/XX/XXXX for late payments back in XXXX, XXXX, XXXX. 

I have included a letter from XXXX XXXX  that plainly shows that when they updated the information to try to fix the mess they made when they submitted a code to update a remark, these are not newly added late payments yet Equifax score dropped back down to 690 and XXXX took additional 21 points or so from me. XXXX showed Current/Never late and they took their opportunity to add these XXXX, XXXX, XXXX late payments onto my account. XXXX is a XXXX company that has done everything in their power to destroy what I have worked so hard to build.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My account was being charge for overdraft fees on a constantly basis,

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 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A XXXX   : XXXX  N/A XXXX  : XXXX, XXXX  Transunion:XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXX : XXXX  Transunion : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX   : XXXX  Transunion : XXXX, XXXX XXXX XXXX : XXXX Transunion : 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 2018-08-08
Company: WELLS FARGO & COMPANY
State: FL
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:
XXXX had charged my account cause my account to go in to overdraft. I contacted XXXX to get the funds reversed and they did and then reached out to Wells Fargo to notify them about the situation. The agent I spoke to advise me to wait for the refund to go through then call back. Two days later, I reached out back to Wells Fargo to let them know that the XXXX transaction was refunded and that they need to refund me the overdraft fee so I can put my money in my account. The agent that I was speaking to was rude stating that the fee was unable to be. After arguing and explain the the situation about the fee, she finally realized what had happened and reversed the fee. Causing me to wait another day to deposit money in to my account to make the my payment and that next day I got a email stating that my credit report had update with a missed payment. I am seeking help with my situation due to the fact that it was not my fault that my account was overdraft, not allowing me to make my payment for more then a week while I was attempting to make a payment.

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 2020-09-02
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are saying I owe a debt for XXXX bill but child has only beemen to her primary doctor no ther locations

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 2018-07-10
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notification on my credit report that I had an account in collections from XXXX XXXX 2 weeks ago. Until this point I had no idea there was any owed balances to XXXX. When I called I found out the debt is supposedly from 2013 for {$460.00}. I was unaware of this balance and have not received any notification about this matter. I never received anything from the collection agency XXXX XXXX   notifying me they were trying to collect a debt, it just showed up on my credit. The only way I found out what agency reported the debt was by contacting XXXX XXXX. This debt is supposedly from 2013 but is just now showing up on my credit report after 5 years. With no notification from the debt collector I wasnt even aware there was a collection or had the chance to rectify if there was.

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 2018-10-19
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello My name is XXXX XXXX I recently purchased some ink for a printer of the XXXX marketplace, I paid using XXXX through my wells fargo bank account. I sent the seller XXXX dollars the seller never sent the product and he sent me a bogus shipping number. After this happend i called wells fargo to open a case, I was informed that they dont protect you if you use XXXX through wells fargo. I researched what could be done and found you guys i attached a zip file with the full conversation between me and the seller i had to take screen shots of the conversation as i had no other way of sending the conversation but it should be in order. The Reference number of the XXXX transaction i did through wells fargo was # XXXX. This was a tranfer to XXXX on XX/XX/18. This seller was also trying to get me to send some crazy amount of money for shipping that i didnt send it was clearly a scam but im hoping you guys can contact wells fargo and do something about this.

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 2021-06-08
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

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 2020-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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, I saw 30 days late remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks. 
BK OF AMER XX/XX/2020 XX/XX/2020

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 2018-08-08
Company: Designed Receivable Solutions, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
" CFPB '', You have back complaints from me dated in the months of XXXX, XXXX and now XXXX. Now the refer number to track is:XXXX.Ihave never been given a clear explanation nor have I received a letter explaining why " DRS '', did not notify me of their investigation status or results or their investigation did not fix an error on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have been challenging the accurate reporting of this Bankruptcy being reported on my credit with the 3 bureaus for about a year ... Each time items come back verified ... .how is this possible ... i am attaching items being reported on my credit report that state right on the credit report that they are included in a bankruptcy ... looking on pacer.gov this bankruptcy was discharged XX/XX/2015 ... ..these items need to be removed off my credit report ... .Also looking at this bankruptcy that they are reporting the reference numbers do not match 100 % as it is being reported on pacer.gov ... the court does not match either ... how can they continue to report this inaccurate information on my report? ... They have not conducted a proper investigation ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: CCB Credit Serivces, Inc
State: FL
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:
To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: EQUIFAX, INC.
State: WA
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:
There are 3 collections attached to my credit report for medical and I have tried to get them off for years sometimes they will come off for a month or so and then they re appear when talking to the collections company they can not provide any information at all about what it is and why they say they are old and they dont have access to the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to you today regarding the following account with Capital One Auto Finance : account # XXXX, XXXX, XXXX XXXX, opened date : XX/XX/XXXX, highest balance : {$17000.00}. 

My dispute is because Capital One is re-aging the account. ( see attached proof ). 
They committing unfair business practices, negligence and breach of contract. 

My demand is to get the item removed from my report. 

Please send to Capital One the attached documentation. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: DISCOVER BANK
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Discover fail to honor their 18 months 0 % APR on purchases & also negligently fail to reduce the total balance after I paid thousands of dollars to this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: CL Holdings LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2018 XXXX XXXX added a collection account to my credit profile stated a delinquent account balance of {$4300.00}. I have no contract with XXXX XXXX and was not notified of any delinquency, via postal service, electronic mailing service, and or phone contact. My credit profile has been tranished and I would like said account removed and collections attempt void.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to XXXX, XXXX, and Equifax. As of today, over 45 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 45 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 Equifax data breach and may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES 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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Portfolio Recovery Association and XXXX XXXX XXXX. The Account Opened is Portfolio Recovery Association Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}. The Account Opened is Portfolio Recovery Association Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation