BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-06
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As ascribed and written to Midwest Recovery Services : To Whom It May Concern : THIS IS NOT MY DEBT. MORE IMPORTANT, I AM NOT AWARE OF YOUR ORGANIZATION OR CLIENT. Effective XX/XX/XXXX, under the Fair Debt Collection Practices Act, there has been no debt letter, confirmation of debt or opportunity to rebut alleged debt. Furthermore, noticed this collection on personal credit report. After a request for debt validation, this errant reporting constitutes an illegal continuation of collection activity. Again, since there was no opportunity to challenge or validate this debt ; under section 809 (  b ) of the FDCPA, following a request for debt validation, collection agencies must cease its collection effort ( s ). 

Your organization is in violation of the FCPDA, and subject to fines of {$1000.00}. Plus, actual damages and attorneys fees, which I opt to collect ( via small claims court ). This illegal collection activity has caused severe problems ; thus, prospective awards-resulting from damages incurred-need be substantial. 

Again, the Fair Credit Reporting Act ( FCRA ) does not allow inaccurate reporting of information on a credit report. Therefore, if not IMMEDIATELY removed, your organization is subject to aggressive punitive action. Your legal staff will agree that non-compliance with this request places you your organization in serious legal jeopardy. 

Finally, in XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), that you are liable for willful non-compliance. Failure to provide original contract, without any alterations, mark, stamps and bearing my original signature has resulted in a claims action against Midwest Recovery Systems. I now seek {$5000.00} ( XXXX XXXX dollars ) in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and the Fair Debt Collections Practices Act as applicable. 

Failure to satisfy this request in accordance with the legal principals of estoppel is understood as a waiver of any and all claims against me ; and facilitates a tacit agreement to compensate me for costs and attorney fees. 

NOTE : YOU MAY NOT CALL. ANY CORRESPONDENCE NEED BE WRITTEN. ALSO, MIDWEST RECOVERY SERVICE IS NOT LICENSED TO CONDUCT COLLECTION ACTIVITY IN OHIO. MOREOVER, DUE TO SIMILAR UNRESOLVED COMPLAINTS ( AGAINST MIDWEST RECOVERY SERVICES ), THE BBB HAS REVOKED ITS PARTICIPATION. 

Cordially, XXXX XXXX XXXX Cc : Credit Reporting Agencies and Bureaus : XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
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: Information belongs to someone else

Complaint:
On XX/XX/2018 I requested my credit report from Equifax. I received someone elses credit file that was not my own. I called Equifax 3 times to tell them what happened but they were not able to tell me what happened to my credit report or why I received someone elses credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: Credit Systems International, 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:
CREDIT SYSTEMS INTL IN is incorrectly reporting information on the following two accounts : Account # XXXX Original Creditor : XXXX XXXX XXXX Balance : {$410.00} Original Balance : {$500.00} Account # XXXX Original Creditor : XXXX XXXX XXXX Balance {$330.00} Original Balance {$330.00} I mailed XXXX  a letter on XX/XX/XXXX. In the letter, I explained that I had been living in XXXX since XXXX of XXXX and just returned to live in the USA in XXXX of XXXX. Previously, I had only returned to the USA in XXXX, for business purposes. 

I included copies of my US Passport with my XX/XX/XXXXXX/XX/XXXX. They show every entry and exit out of XXXX. 

The letter further states that I never opened nor authorized any of the above accounts to be opened. I enclosed the copies of my passport XXXX  pages which supported my position and asked the company to reinvestigate the matters and to delete the disputed information. 

In addition to providing the inforamtion to XXXX, I called Credit Systems Intl IN, around XX/XX/XXXX. I explained that I sent my XX/XX/XXXXand proof that I was living overseas and did not open the accounts. 

I have recently purchased a new truck and my interest is much higher due to the negative credit reporting provided by Credit Systems Intl IN. Their inaction to address incorrect informaiton has resulted in financial harm and damage by requiring me to pay a much higher interest rate. The policies and practices employed by this company are contrary to Fair Credit Reporting Act ( FCRA ) laws and they should be reprimanded for the financial harm they have caused to myself and to many others. 

if this is not resolved, my next course of action will be to hire an attorney to sue them for the financial damages which have resulted from their noncompliance with FCRA laws. I hope that I do not have to waste time and money with this approach and hope that your office can assist in remedying this situation as well as place a note in their file indicating that their business does not comply with the Fair Credit Reporting Act laws. They are likely causing financial harm to many customers by their intentional inaction. 

I look forward to help from your agency with this matter. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Delmarva Collections, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At first contact from " Delmarva Collections '' in XX/XX/XXXX, I instructed this company : to NOT contact me again, since this " DEBT '', is not mine. Check their " RECORDINGS '' of our conservation on this matter. 
Another one ( 1 ) ring phone call occurred in XX/XX/XXXX. 
Today, XX/XX/XXXX, @ XXXX, the second phone call on the year occurred. From 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 2020-06-30
Company: Universal Account Servicing, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX I entered in to an agreement with a company located in XXXX XXXX, CA called, " XXXX ''. They use a finance company called Universal Account Servicing , LLC ( UAS ) based in XXXX, Missouri to offer 0 % interest financing for their services. I have been making the required minimum payment of {$100.00} regularly. In XX/XX/2020 I made a lump sum payment of {$1000.00} to try to accelerate my account and somehow a payment was sent in XXXX for {$97.00} instead of {$100.00} for a difference of {$7.00}. I received a bill from UAS for a {$10.00} late fee. They also are charging me {$220.00} in interest because I'm {$7.00} short on my payment. This is absolutely usury and I refuse to pay them {$220.00} for being {$7.00} short on a payment. I called them on XX/XX/2020 to let them know that I didn't know how the payment was sent {$7.00} short and that I could payoff the remaining balance of {$770.00} to avoid the {$220.00} fee but they will not waive the interest fee of {$220.00} and that is why I am reporting them. They told me that they will be reporting me to the credit bureaus for the {$220.00}. This is extortion for accidentally being {$7.00} late on a payment? 
Another matter is that they don't show any fees charged or interest charges on their statements. They simply just add their fees and interest charges to my outstanding balance and hope no one notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Diaz & Associates, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Diaz & Associates dated XXXX requesting payment on a debt supposedly from original creditor XXXX in the amount of {$690.00}. I do not recall a recent or even past account with XXXX or what type of account it supposedly was or when the original account opened. And another company, XXXX XXXX XXXX XXXX, just randomly reported this same debt for {$690.00} and also one for {$720.00} from XXXX to XXXX as collection accounts on XXXX. I have already disputed the XXXX XXXX XXXX XXXX  collection reporting with XXXX  to no avail. I have also submitted a CFPB complaint regarding XXXX XXXX XXXX XXXX. I believe these requests for payment and credit reporting are based on inaccurate and/or fraudulent information. It appears these so-called debts are being transferred from one " company '' to the other very quickly which seems questionable. I doubt these are legitimate attempts to collect a valid debt and want proof to prove otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: EQUIFAX, INC.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Eqifax and XXXX XXXX havent sent credit report allowing use and fraud to continue on account and mot disclouse settlment aggrements

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
State: CA
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 have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
I have listed fraudulent accounts reporting on my credit report. I did not aplly nor utilize any of these accounts myself. 
1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Payward Ventures Inc. dba Kraken
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was making a deposit to Kraken.com I followed the wire instructions. 
I wired {$14000.00} to XXXX XXXX XXXX XXXXt from XXXX XXXX the fed transmitted it ( XXXX # XXXX ) on XX/XX/19. 
I received {$240.00} credit in my account instead of the {$14000.00}. 
I opened a case with kraken. ( ticket # XXXX with XXXX ) They said they would look into it ... 
days went by. I didn't get any response when I asked for an update. 
I finally wrote about it on XXXX and then I got a response that they would look into it. 
Tuesday XX/XX/XXXX I finally got a call from XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX She said the fedwire file was corrupt so I got credited with someone else 's wire and that my wire wasn't credited to anyone. 
She said that XXXX  XXXX would get my money and then credit me ... This was going to happen by Friday the XXXX. 
Friday she called me and said they ( XXXX XXXX ) wanted to get a corrected file from the Fed and make sure it was crediting the right people and that I would get it tuesday. She said she would call me back Tuesday as well. Well no one has contacted me from XXXX, XXXX, or XXXX XXXX since. My {$14000.00} remains missing. 
Other people have told me about cases where their money was missing for weeks and questioned XXXX XXXX XXXX money management. 
I am really worried and don't know what else I should do Thanks

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: EQUIFAX, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
This is the worst company I have ever talked to I have called 15 times faxed documents 5 times they lose my documents put me on hold or transferme over and over 2 hours per call minimum they have locked my report I can not access it I can not apply for credit I 'm trying to buy a house and they are refusing me access or help to fix it they are incompetent please help me sue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: AR
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 PULLED MY CREDIT TO MYSELF FOR THE FIRST TIME AND I HAVE DEROGATORY ITEMS THAT ARE NOT MINE. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE DELETED. PLESE REMOVE THESE UNKNOWN ACCOUNTS FROM MY NAME. XXXX XXXX {$20000.00}

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 2018-02-22
Company: Bread Financial Holdings, Inc.
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I spoke with a representative when they called me a few weeks ago, when they called my work phone number. Prior to me talking to them, they had left messages on my phone, called my husbands phone, all three of my children 's phone and somehow they got a hold of my ex-husbands phone number and called him as well. 

On that phone conversation a couple of weeks ago, I let them know that I would not be able to pay the debt until sometime this spring. I asked them to only call my phone number. I specifically told them they could not call me at work, nor could they call any other phone number of anyone else. Some of the people they are calling are not even related to me, and they continue to call me. Today, XX/XX/2018, they called my step-daughter and told her I needed to contact them about a debt. I didn't think they could tell anyone else that I owed a debt. She was concerned because she thought they may have also called her mom ( my husband 's ex-wife ). They have called my XXXX  year-old father-in-law. I told them I would contact them when I could take care of the debt and that they were only allowed to try to contact me via mail and my phone number. 

In the initial phone conversation, they would not give me their address. Today, I got their address and have sent them a letter indicating that they may only contact me by mail or my cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: Experian Information Solutions 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:
I have attempted numerous calls with the bureaus in attempt to remove collection accounts and an installment account on my credit report which were results of identity theft. The accounts are still listed on my credit report. I have attached the FTC report for my identity.

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 2019-01-11
Company: AES/PHEAA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am currently enrolled in college and my servicer is telling me that my payments are past due, with no grace period, or time to finish school. Theyre trying to say that Im past due, but I am still enrolled in school until XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN
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:
Company stated they do not do hard inquiries, but they are on my credit report. I would like them removed please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2018, someone tried or did opened an account with On-Site Manager in my name. The reporting agency was Equifax and XXXX XXXX ID is XXXX. 
I was transferred multiple times at the company without anyone able to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: VA
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : 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 XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
They closed my card due to inactive with no in-advance warning. And told me all of my cash rewards are forfeited.

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 2021-07-13
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:
I AM BEING REPORTED 60 DAYS LATE IN XX/XX/XXXX ON A CAR LOAN THAT WAS PAID OFF AND CLOSED IN XXXX, XXXX. THIS ACCOUNT WAS NOT LATE AND HOW CAN IT BE REPORTED LATE WHEN IT WAS PAID OFF OVER 6 1/2 YEARS AGO? XXXX XXXX XXXX WAS THE LENDER, UNDER INSTALLMENT LOANS THAT ARE CLOSED, MAY I ADD AGAIN OVER 6 1/2 YEARS AGO. PLEASE SEE ATTACHED DOCUMENTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My pii was taking bank account was open with out me know or coming into the branch I havent had a bank account for five years or more my taxes was being transfer into that bank that I never know of and a police report have been made on usaa my phone have been publish email taking over as well by XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transworld Systems is reporting and trying to collect the incorrect amount of a debt. The debt is closed and has been since 2017, however Transworld is adding over {$46.00} a month to the debt and putting that information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
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 status incorrect

Complaint:
XX/XX/2018 XXXX XXXX should have been deleted permanently XX/XX/2018 XXXX XXXX XXXX should have been deleted permanently XXXX as well should have been deleted permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In applying for an American Express Everyday credit card which offers 0 % balance transfer for 15 months and {$0.00} fee for transfers ( which was approved ),  no where in the online OR written agreement that is sent with the card does it stipulate that the maximum amount you can transfer a balance is 75 % of your limit or {$5000.00}, whichever is reached first, which is what I'm being told is the policy. My limit is {$20000.00} and they are saying I can only transfer {$5000.00}. This IS NOT disclosed anywhere in the written agreement that comes with the card OR online which their representative acknowledged on XX/XX/19.

Company response to consumer: Closed with explanation