BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing this letter due to the actions that XXXX XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 
I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 
It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXX, XXXX aka XXXX XXXX, XXXX is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX, XXXX aka XXXX XXXX XXXX. 
They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with XXXX XXXX XXXX XXXX, and that they have purchased from the original creditor. 
For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, 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, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that is done so in a manner that is fair and equitable. Equifax has failed to do this. In XXXX and XXXX of XXXX I mailed letters to this asking for validation of several accounts on my credit report and I was ignored. These accounts must be removed immediately as they have damaged my character and are hindering my ability to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I did a refinance in XXXX of XXXX, to get a better rate and lower payment of {$970.00}. I got both up until they messed up on the escrow account, and in XXXX of XXXX they went up on the payment by {$92.00} per payment. Now the main complaint. In XXXX of XXXX they disbursed a payment to another customers account for insurance to the amount of {$1200.00}. It again threw my escrow account into a tail spin, so they have now increased my payment again by another {$150.00} per payment. I have called them repeatedly and they say they see the issue and are trying to get it worked out. Just to mention that it takes over an hour on hold each time I try to get an update. I held the line for over two hours on Monday XX/XX/XXXX and finally gave up, which brings me to you. In the mean time, I have a payment due in this larger amount and am waiting to pay until they get this straight. I have never been late and need to get this resolved. HELP.

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 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX credit acceptance, Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX 15 U.S.C 1681 Section

602 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It als
o states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2015-10-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am in dispute of previously deleted inaccurate information re-inserted on my credit report, received on XXXX/XXXX/2015 from Equifax , dated XXXX/XXXX/2015 : Confirmation # XXXX : XXXX XXXX XXXX : Collection Reported XX/XX/2015. ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing this letter due to the actions that XXXX XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with XXXX XXXX XXXX XXXX, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 

Sincerely yours, 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 2018-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I sent the followin commen to Bank of America : All I wanted to do was activate my cxard, # XXXX. Instead I get advertisements for " XXXX XXXX '' vacation in the XXXX, and loans. All I want to do is actiovate thje new care THAT I DID NOT ASK FOR If I ever experience this again, I will cancel my ssociation with your bank COMPLEtELY!!!! 

I still am not certain that I was able to renew my account. 

I had about six different promotions offered to me rather than the promised reactivation of my card.

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 2022-08-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THIS ACCOUNT IS BEING REPORTED AS A CHARGE OFF WITH A BALANCE. THIS IS INCORRECT REPORTING AND A VIOLATION OF MY RIGHTS UNDER THE FCRA AND FCRPA. {$3300.00} IS MUCH HIGHER THAN MY ACTUAL BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Barclays XXXX XXXX XXXX card - card was opened by someone other than myself. Purchases were made. Called numerous times to dispute. On hold for over an hour. Charges were considered fraudulent. Asked to have account closed as it was not open by me. Never received in writing that the account was closed which I asked for numerous times. Recently, just got a letter saying I enrolled in paperless billing. This account was supposed to be closed as of XXXX ( do not have exact date that I called. Also called in XXXX twice and account was never closed.

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 2019-10-21
Company: EQUIFAX, 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20
Company: Experian Information Solutions 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:
XXXX XXXX And Experian all have police and identity theft reports and when an item disputed they refuse tobacco within 48hrs

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 2022-08-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been unable to get my weekly free credit report online as afforded to me by law. I've asked Equifax to fix this and nothing has been done about it. I am requesting that they fix this and allow me to access my free credit report online- NOT through the mail. I do not know what the problem is. I am including verification of my identity which I've provided to them multiple times. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I paid a few bills on my credit report, one for XXXX XXXX with an outstanding balance ( Confirmation : XXXX ) for {$1300.00}. About a week later I signed up with XXXX XXXX to help repair my credit. After a month I noticed that charge was still on my report but being reported by Jefferson Capitol. I called them to try to give them the confirmation # and the gentleman yelled at me that " You shouldn't have paid XXXX that should have gone to us '' He told me to send over my bank statement that I had paid this so I did. Fast forward months in time and I'm still no closer to getting this taken off. I've called XXXX and Jefferson Capitol multiple times to try to get this resolved. The collection agency keeps telling me that it doesn't matter if I've paid XXXX that I still owe them another {$1300.00}. I've since sent all documentation to XXXX XXXX to send disputes to XXXX XXXX and XXXX but even if it's removed it could still show as something owed. I was told to contact you to hopefully get this taken care of. I'm trying to build my credit to help my kids go to college and I'm running out of time. Any kind of help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated papers to have a direct transfer from Wells Fargo to XXXX XXXX XXXX of a Roth IRA, account # XXXX. Supposedly the IRA transfer office in XXXX XXXX, SD transferred the funds by mail on XXXX/XXXX/2017. After 1 month and the funds not being received by XXXX, I sent stop payment papers to Wells Fargo in S.D. and although XXXX XXXX says the papers were delivered XXXX/XXXX/17 @ XXXX, Wells Fargo said they never received them. On Thursday, XXXX/XXXX/17 The local branch of Wells Fargo faxed the papers and on Friday they said they received them but it would take 3-5 business days for them to stop payment and another 90 days for them to re-issue a new check. Given that XXXX never received the funds in the first place and Wells Fargo claims they never received the stop payment papers delivered by XXXX XXXX, the 90 day waiting period, I am concerned I will never receive my funds.

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 2019-11-27
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Presser, Felt & Warshaw LLP called me to collect a debt although I do not owe them any money. When I called them and requested that they stop contacting me, XXXX XXXX at extension XXXX, proceeded to ask me questions that I didn't feel comfortable answering and when I refused he said that he would not remove this number because I wouldn't answer his questions. Why should I have to provide information to a debt collector that I don't owe any money to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: First Direct Lending, LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
First Direct Lending out of California advised I was approved for refinance with cash out and asked me to provide documents proving I was the homeowner of the dwelling such as utilities and a death certificate for my wife that passed in 2015.  They advised that was all they needed to close and that I was approved. They have all my info and have pulled my credit and are now saying they cant do the refi due to my drivers license having a different address. This is false hope and misleading and misrepresentation of the duties they said would perform.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2019-11-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX2014 fair collections and out XXXX XXXX @ XXXX XXXX XXXX {$6500.00} I despised this I dont understand why this is my responsibility. I lived in my boyfriends home but if I was ever gon na go live with my parents or stay a few days it was said I had to give my info. I was not working while living here nor was this my residence. Had I ever realized this debt would fall on me I never would have handed these people my info and if I needed to go home to my parents a shelter would have been a better option. Its infuriating this large sum is stuck on my credit and at no time did I ever say if my parents defaulted I would take responsibility for the money they owe. I had no job making it real hard for me to pay the $ XXXX monthly rent. Crooks I never spoke to anyone here at the property that I would gladly pay the rent. This is beyond upsetting I wish I was told the woman who rented the place to my parents never met me bet she has no clue who I am yet Im responsible.

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 2021-07-06
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:
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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Colony Brands, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have XXXX accounts linked with the same account number on my credit report. Its unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2021 I was charged XXXX on card ending in XXXX ( this did not end up in my XXXX XXXX XXXX accounts ) XX/XX/2021 I was charged XXXX on card ending in XXXX also placed in another account see info below XX/XX/2021 I was charged XXXX XX/XX/2021 I put in a billing dispute thinking the charges were just overcharges and there was a balance adjustment made by BOA for XXXX XX/XX/2021 I realized my error that I was paying full amount for XXXX XXXX XXXX services on another credit card BOA ending XXXX I asked fraud claims to investigate charges. 
I contacted XXXX and Bank of America and although XXXX could see the error they said that I need to go through BOA fraud. 
XX/XX/2021 XXXX denied a billing error for XXXX charge I went to BOA actual branch to fax information to claim services who requested more information ( Bank of America case number XXXX ) 18 pages faxed to Bank of America including unknown XXXX XXXX XXXX account number the charges $ was going into XXXX XXXX XXXX XXXX account XXXX ) XX/XX/2021 I was again charged XXXX miscellaneous account not in my name XX/XX/2021 Bank of America issued another credit card and cancelled card ending in XXXX XX/XX/XXXX my appeal was denied I spoke with a customer service agent more recentlys supervisor and he was able to escalate the claims appeal after it was appealed again. 
Multiple appeals and denials and reopening case appeals through Bank Of America fraud claims XX/XX/2021 I called Bank of America to find out that the case was closed and they were unable to accept the claim and recommended I put out a compliant through credit bureaus

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 2019-04-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2019 XXXX XXXX {$300.00} Debt collection agency by the name IQ data international called XXXX at XXXX. The debt collectors threatened that our credit would be affected, and he was about to file us as delinquent.

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