BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: TX
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:
XXXXDepartment of Education is reporting inaccurate information to my personal credit reports. This is a violation of the Fair Credit Reporting Act. I have reached out to the company multiple times and they have not complied with my request. I sent letters requesting for the inaccurate accounts be deleted from my credit report. I informed them that they were violating my rights. This is violation of FCRA law 15 USC 1681 and 15 USC 1681 a ( 2 ) ( a ) ( I ). 
First letter sent XX/XX/2021 Second letter sent XXXX XXXX XXXX company sent me a letter XXXX XXXX stating no knowledge of wrong reporting.I have attached a copy of that letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
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: Information belongs to someone else

Complaint:
TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX   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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: TRANSWORLD SYSTEMS INC
State: AR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
COLLECTOR VIOLATED THE AUTOMATIC STAY IN XXXX CASE XXXX, THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT, TITLEX CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Experian Information Solutions Inc.
State: TX
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:
XXXXDepartment of Education is reporting inaccurate information to my personal credit reports. This is a violation of the Fair Credit Reporting Act. I have reached out to the company multiple times and they have not complied with my request. I sent letters requesting for the inaccurate accounts be deleted from my credit report. I informed them that they were violating my rights. This is violation of FCRA law 15 USC 1681 and 15 USC 1681 a ( 2 ) ( a ) ( I ). 
First letter sent XX/XX/2021 XXXX letter sent XXXX XXXX XXXX company sent me a letter XXXX XXXX stating no knowledge of wrong reporting.I have attached a copy of that letter.

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 2019-04-08
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX I was sent by mail this notice from Jefferson Capital system LLC on  XX/XX/2019. Which arrived to me on XX/XX/2019 them amount is in the sum of {$150.00} but has been reduced to an offer of {$93.00}. On that day of XX/XX/2019 I have contacted there customer service department and explained to them that the XXXX XXXX XXXX in question was paid off and the account has been closed. For well over 10 years and not been sent any notices of payment from Jefferson Capital. during that time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my THIRD time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX XXXX XXXX # XXXX -XXXX  # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX # XXXX XXXXCAINE & WEINER # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I opened a comcast account the bill was paid XX/XX/2017 and then it was closed by XXXX saying it was not up to date but later they found that it was incorrect. I did not reopen the account and brought back equipment to XXXX XXXX, the associate assured me everything was taken care of and it was closed. 

This collection started popping up, out of blue and saying I owe a debt which is not true. This is a false collection because they have no payment history, no explanation of debt, and they keep changing their name every time I dispute it. 

Now its AFNI, debt change to {$280.00}, before which was two weeks ago, It was XXXX XXXX with debt of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Bread Financial Holdings, Inc.
State: TX
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 reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-13
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX XXXX,2017 @ XXXX I checked in the XXXX XXXX XXXX for two nights. My XXXX card was charged {$230.00}. Hotel also requested {$100.00} for incidentals which I placed on a bank master card ending in XXXX.

XXXX last 5 on the card XXXX.

The morning of XXXX I went to the front desk and requested a check out after one night, because a snow storm was approaching New York. I did not want to stranded there.

Hotel clerk ok 'd the departure. Included his name on the invoice and wrote for one night, which I did request. I have had problems with XXXX before Charges were processed as stated on invoice total for the one night {$110.00} {$230.00} less {$110.00} is {$110.00} which should have been returned to my card within 5-10 days. As I begin to call about the return of my money to the card things became complicated. One supervisor said " it would take 45 days '', I kept calling, then I was given a phony number to fax any documentation I had as proof, the number was for the gift card department and not a fax machine. After two more wrong numbers I was given the right number for a fax machine. I paid {$14.00} and faxed the documents same Documents I 'm sending here. I called that same day to tell my story to the first responders who answer the phone and requested they give me a supervisor. this time it was XXXX. I explained to him what I had done ; he placed me on hold to check, he returned 5 min. later and said " they did not have them and he wanted me to resend them. I asked him if he really want me to go spend another {$14.00} totaling {$28.00} and send these papers. He said he would refund the money I spent faxing the docs. I strongly believe it not too be true of refunding {$14.00}, because of the anguish I have experienced just trying to recover the money they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
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: Public record information inaccurate

Complaint:
Furnishing Certain Deceptive Forms 15 U.S. Code 1692j ( b ) - Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for  failure to comply with a provision of this subchapter. 
15 USC 1692g - Validation of debts 15 USC 1692f - Unfair practices 15 USC 1692e - False or misleading representations 15 USC 1692d - Harassment or abuse Experian Report no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2019-07-23
Company: HCFS Healthcare Financial Services of TeamHealth
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or REMOVED IMMEDIATELY Account Name : ARS ACCOUNT RESOLUTION SER Account Number XXXX Date Opened XXXX Balance {$640.00} Account Name : ARS ACCOUNT RESOLUTION S Account Number XXXX Date Opened XXXX Balance {$980.00} Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XXXX Balance {$340.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened XXXX Balance {$1000.00} Account Name : XXXX XXXX  Account Number XXXX Date Opened XXXX Balance {$2900.00} Account Name : XXXX Account Number XXXX Date Opened XXXX Balance {$13000.00} Account Name : XXXX XXXX   Account Number XXXX Date Opened XXXX Balance {$140.00} Account Name : XXXX XXXX Account Number XXXX Date Opened XXXX Balance {$0.00}

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 explanation
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I have 2 hard inquiries on my credit profile and I tried to dispute them with TransUnion but they were unable to help me at all. I called and tried several times and dont know what other method to use outside of you guys in order to fix this problem. 

XXXX - XXXX XXXX  XXXX XXXX - XXXX PLEASE DON'T HESITATE REACHING OUT TO ME SHOULD YOU HAVE ANY FURTHER QUESTIONS. 

THANK YOU.

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 2022-01-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In XXXX of XXXX Wells Fargo approved XXXX reoccurring charges to my debit card that resulted in my account being accessed XXXX overdraft fees totaling {$100.00}. In the past Wells Fargo denied the payments which did not result in me being charged an with overdraft fees. I contacted Wells Fargo by email about what had occurred and received a response XXXX weeks later stating that the matter was under investigation. The investigation resulted with the overdraft fees being credited back to my account. Today XX/XX/XXXX I received an email saying that my account is overdrawn, I had forgot to cancel one of the reoccurring charges. I know this will result in an overdraft fee for something that should have been declined.

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 2019-04-09
Company: National Credit Services, Inc.
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
NCS National Credit Service is attempting to try to collect a debt that has been deleted from my credit report. XXXX XXXX  XXXX XXXX account number # XXXX has been deleted from my credit report. The original Lender was XXXX XXXX and that was also deleted from my credit report. My consumer rights have been violated and I do not want this debt to continue to be sold when it has been deleted from my credit report. XXXX is attempting to try to collect on the same debt. Navient former name is XXXX XXXX and the XXXX XXXX debt has been deleted from my credit report. XXXX is claiming that I owe XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/2019 we have been trying to get SunTrust Mortgage to release our insurance funds from Hurricane Michael. After weekly calls we are continuing to get different stories and different instructions. They have stalled to the point we are paying our contractors out of our pocket. To date this amount is close to {$50000.00}. We have submitted checks that clearly show the out of pocket expenses and still no reimbursement. First they said schedule a Inspection so we did. After 2 weeks we called back to find out when inspectors were coming to be a told the Inspection had been canceled due to not being able to contact us. They rescheduled Inspection and a week later we called to find out it was again canceled. At this point after checking both of our phones I responded I would go to XXXX to pull our phone records and prove fraud on their part. A lady contacted me the next day for Inspection. The following day the lady showed up with her children along to do Inspection. This was almost 2 weeks ago. The day after the Inspection we received an email stating the inspector had canceled the Inspection. Even though the Inspection had been completed the day before.

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 2021-07-08
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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:
I was contacted by Midland Credit Management about a debt their company was attempting to collect. I sent them a " Method Of Verification '' letter and they never sent over any documentation to connect me to the alleged debt. The collection account in question, was reporting to all three Credit Bureaus, I was able to dispute the account, which resulted in the collection account being removed from my XXXX XXXX and XXXX credit reports but it is still showing up on my XXXX credit report and the company has repeatedly sent " Debt Collection '' pamphlets and tried to contact my via phone after proper hours. I have tried to contact Midland Credit Management on several occasions to settle this matter, but I only receive additional collection letters. Can someone please assist me in correcting this issue?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-13
Company: Paypal Holdings, Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Sequence of events : 1 ) XX/XX/XXXX to XX/XX/XXXX - I sold over {$7000.00} worth of cameras/XXXX/etc.

2 ) XX/XX/XXXX - PayPal put a " minimum reserve '' amount of {$3700.00} on my account.. citing " High risk '' items.

3 ) XX/XX/XXXX - I reached out to PayPal via phone, XXXX support page, and XXXX support page to try to resolve the issue.

4 ) XX/XX/XXXX - Received generic, canned response from PayPal not even addressing my issue.

5 ) XX/XX/XXXX - Received response from PayPal stating that the reserve CAN NOT be lifted to allow people to do returns/disputes, and that it could be reviewed after 180 days on a case-by-case basis.

6 ) XX/XX/XXXX **MAY NOT BE THE EXACT DATE** - Called PayPal again to try to resolve the issue ( ONE YEAR LATER ), and was told that the minimum reserve was going to stay in place and would ONLY be released if I closed my XXXX  account.

I have been an XXXX/PayPal member/seller since XX/XX/XXXX.. for 17 years I have never once let my account go into the negative, have always handled cases and disputes in a timely manner, have always conformed to their rules, and have been an outstanding seller in all senses of the word. They are unfairly punishing me because I sell an item that has a higher fraud rate ( on the buyers end, NOT mine ).

I feel that holding MY money ( {$3700.00} ), for over a year and a half from transactions that happened back in XX/XX/XXXX is extremely unreasonable and all that I 'm asking is for it to be released. Not to mention the fact that it put my business in serious jeopardy because I had to cover the {$800.00} worth of XXXX fees for that month out of my personal bank account. On top of that, I had to pay a {$50.00} fee for insufficient funds out of my own pocket when PayPal tried pulling the XXXX fees from my bank account that I had attached to my PayPal account.

Since XX/XX/XXXX, I have sold hundreds of thousands of dollars worth of items and have never let my account go negative. To this day, I have to withdraw all of my money the same day it 's put in my PayPal because I live in fear that they 're going to freeze all of my money again. Even doing this, my account has STILL never been negative, and all returns/etc have been handled perfectly.

Thank you for your time and I look forward to your response. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-13
Company: SLM CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The XXXX XXXX XXXX site will not allow me to login to my account. There is an error with the system either timing out while trying to log in or it has an issue with cookies. The site locks you out of your account ( even after allowing you to go through layers of verification- which have to be correct or the system does n't let you proceed ) and there are no protocols in place to unlock the password or account on the weekends. 

I am buying a home, and keep my money for appraisal/inspection/insurance in this account. I will now be unable to access the account to set up a transfer in any capacity until Tuesday, potentially causing my student loan payments to now bounce since I 'm on auto pay and and was assuming I could ... You know, access the money in my account to help cover the XXXX $ appraisal I went ahead and paid for. 

No way to access to my account or money for three days or a bank with no physical presence being closed for that long should be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation