BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: Firstsource Business Process Services, LLC
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 Firstsource Advantage , LLC 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 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 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 with Firstsource Advantage , LLC, 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I and another party were victims of a scam. I gave back the funds threw XXXX and they were not sent to that person. Then on XXXX the XXXX an online reversal was done on my account which put it in the negative. I have called the bank and visited the bank where a banker seen that I was a victim of a scam and that my money should be put back into my account. I called the bank on XX/XX/XXXX to find out what was going on in which they told me that they have reached out to XXXX to give me back my money in which has not happened and then I talked to the online banking in which they told me that there is nothing they can do but I need to talk to the person who I sent the money back to.

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 2023-09-26
Company: Uplift, Inc
State: MI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There have been three fraudulent accounts opened using my identity with Uplift , Inc. I have submitted the Uplift , Inc. Identity Theft Submission Form twice now ( XX/XX/2023 and XX/XX/2023 ), and have not received a response from this company. In fact, Uplift , Inc. has sent these accounts to collections as of XX/XX/2023 ( XXXX XXXX XXXX XXXX XXXX ) despite me providing all of the information requested to support that these accounts are fraudulent due to identity theft. I have informed XXXX XXXX XXXX XXXX XXXX that these accounts are fraudulent. Uplift , Inc. is operating as a dishonest business that has failed to respond to my requests for these fraudulent accounts to be removed from my identity. The resolution I am requesting is for these accounts to be marked as fraudulent and removed from my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Carvana Group, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Carvana is advertising high down payment with vehicle financing. According to the law 15usc1662 there are to be no advertisements of down payment which a credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Walked into Wells Fargo to open an account on XX/XX/2019. I received a call from Wells Fargo wanting you identify me. After identifying it was me who opened the account they stated theyre closing my account. Never stating why. I also have a mortgage account with wells Fargo its confusing why they wont allow me to open an account.

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 2022-10-06
Company: EQUIFAX, INC.
State: MD
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:
Was contacted by XXXX with letter dated XX/XX/2022 on potential ID Theft by someone opening an credit card account using my identification. I confirmed that I had not opened the XXXX account in question and confirmed that the Texas address used in related hard inquiries was fraudulent. In letter dated XX/XX/2022, XXXX reported to me that the account was found to be fraudulent and had been closed and they said that they would send updated information to the credit bureaus to update their information ( e.g. delete fraudulent Texas address ). 

On XX/XX/2022, I began to contact credit bureaus to verify that the fraudulent Texas address had been removed from my credit information. After verifying my identity, XXXX said that they deleted the Texas address right then. Equifax, however, said they could not change the information, even after verifying my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: MIDFIRST BANK
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent your XXXX XXXX my dispute on XXXX, 2022 to validate the permission I gave to report inaccurate amounts and share my information with any third party reporting. I need for this to be properly investigated and stop reporting on my credit without my permission. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you and my signature 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

6 ) Was there a release signed that gave you permission to share my information. 
I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results

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: Helvey & Associates, Inc., Warsaw, IN Branch
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX IS IGNORING THE CONSUMER FIRST WITH ME XXXX, XXXX XXXX AND NOW MY WIFE. THIS IS A GREAT CASE. CEASE AND DESIST COLLECTION COLLECTING, CALLING FOR XXXX XXXX XXXX REF. NO.XXXX, {$57.00} DUE TO XXXX. XXXX IS PAYING LATE ON THIS BILL. 

XXXX XXXX XXXX ACCOUNTS XXXX IN THE AMOUNT OF {$310.00} DUE TO XXXX AND REF NO. XXXX IN THE AMOUNT OF XXXX DUE XXXX. 


AS STATED BEFORE XXXX WILL BE WRITING OFF ALL XXXX XXXX DEBT SOON AND YOU MUST DELETE ALL CREDIT REPORTING AT ONCE FROM XXXX AND ALL OTHERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 I received a call from IC SYTEMS INC when I was told by one of there agents that I owed a collections account in the sum of {$690.00}. The agent went into the details of the account to state that this account belonged to me. I stated that I do not remember anything about this account & it is not mine. I have since received a VERIFICATION from IC SYSTEMS INC that they used to say this account is mine. The only problem is that the SIGNATURE on the VERIFICATION info used IS NOT MINE!!! This IS NOT MY ACCOUNT & the SIGNATURE on there verification IS NOT MINE. This has to be some type of fraud or identity theft. Please at once remove this collections account completely from my credit report. I will be submitting proof of my signature along with the verification used by ics systems. You can clearly see that the signature ics submitted is not mine

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 2022-02-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 {$5000.00} was removed from my account by an unknown person. I had noticed a few days later that someone hacked into my online banking and changed my contact information. I immediately changed everything back and changed my password, then noticed the bank and was given the phone number for the Fifth Third Dispute Department. I filed a claim and was denied being told that I was the one who put the money into a XXXX XXXX account. I explained the situation and the bank is continuing to say I did this after four disputes. I have been fighting to get my money back for almost 7 months now. I have been told that my identity was verified by a text message but I can not get the phone number that was used. I have tried getting a number for the investigator from the bank and I was told that I can not speak to said person. I have also called XXXX XXXX and they do not have me in their system. I am a student paying for classes out of pocket and the money that was stolen was to pay for my classes. I dont know what else to do at this point. No one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I have been disputing some unauthorized inquiries on my Equifax credit report. I have asked for Method of verification. The creditors have not verified any contracts or documents showing my signature. They always come back stating verified or accurate. Its never no proof showing anything. Please help me delete the inquiries that are not connected to any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: IL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2019-12-04
Company: Convergent Resources, 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:
I contacted the debtors on XX/XX/XXXX requesting my signature proving this to be my debts and or paid the accounts late. These companies are reporting this information to XXXX, XXXX, and XXXX without providing me information validating the debts, so this information has been reported inaccurate every month and have been reported to future creditors.This is causing me financial injury and stress because Im unable to acquire a new credit card, personal loan, and apply for a mortgage loan based on these false invalidated claims. I was also a victim of a violent car jacking in XX/XX/2016 where my purse and id was stolen and they have again fail to report that information on my credit report and the thief has even opened up new credit in my name repeatedly causing my credit report and score to be negatively impacted.

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 2017-10-05
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Wrote letter on XXXX2017 to SOUTHWEST CREDIT SYSTEMS LP that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised SOUTHWEST CREDIT SYSTEMS LP to removed incorrect information off my credit report. More importantly, SOUTHWEST CREDIT SYSTEMS LP are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from SOUTHWEST CREDIT SYSTEMS LP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a XXXX veteran who unfortunately has had ID theft occur due a data breech with the XXXX XXXX XXXX XXXX XXXX. I have a fraudulent account with a credit card company called XXXX XXXX XXXX XXXX  that was opened on are around XXXX of XXXX. I have sent documents directly to TransUnion and they responded back sometime later claiming I was lying, and they refused to take any action or remove anything. As a XXXX veteran I can not always catch things right away especially when it comes to my credit. Both of the other credit agencies took care of this fraudulent account with no issues. I Will attach the supporting documents once more to this complaint showing this fraud account is not mine. I have also had several FRAUD inquires that need to be addressed Aswell. If TRANSUNION can not provide me with proof these inquiries were done by me then they need to be removed ASAP. Thank you XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX 4.XXXX  XXXX XXXX Inquiry : XX/XX/XXXX 5.XXXX  XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 non-monetary relief
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 got into the hands of the wrong person.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capital One has continuously tried to collect debt that was a result of identity theft, when I was sick for 3 years and had a breach in my identity through XXXX. Also, while my account is under investigation, I have continuously made monthly payments on my accounts, in an amount proposed and approved by Capital One and still, on a weekly basis, they report incorrect negative remarks and amounts to my to the credit agencies ( XXXX, XXXX, and XXXX  ) ; even while my account is under dispute with the CFPB. The amounts of my balances on my two credit cards with Capital One, ending in XXXX and XXXX, are incorrect and Capital One are reporting incorrect balance amounts. Also, Capital One placed one of my accounts, ending in XXXX, in collections, after they placed me on a payment plan, while I'm making payments, and after I reported the incorrect balances to the CFPB. Also, I can no longer view my account ending in XXXX, online nor in the app, and no staff/tech staff/nor supervisor can tell me why. I have been transferred to various departments and staff to have this problem rectified and to date, it still has not been rectified. I have been told that they do not know why ; however, this causes me not to be able to see updates to my account. Also, on XX/XX/XXXX, I reported Capital One to the CFPB regarding reporting incorrect balances they continuously report to the credit agencies and regarding the fraudulent charges, and it's been over 30 days and they have not responded in resolving the issue and it's been over 20 days since they last responded to the CFPB that they are still working on the issue. But, they continue to report negative remarks and incorrect balances on a weekly basis, which have affected my credit score by over 50 points. I would like for Capital One to report the correct/updated balances of my credit card accounts to the collection agencies, resolve the fraudulent charges, take my account ending in XXXX out of collections, and fix the issue of me not being able to view my account ending in XXXX online or withing the App.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Last 4 digits SS # XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Transunion LLC Consumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to address a matter of utmost concern regarding my recent credit report. Upon reviewing my report The following accounts ( itemized below ) are reporting a current balance when it is my understanding and reason to believe that this debt was charged off by each lender. Because of that fact, this debt is cancelled and at least should not reflect the balance nor continue to actively report current updates that is currently showing on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Please delete these inaccuracies. 

XXXX XXXX XXXX : Balance {$1400.00} Last Report date XX/XX/2023 XXXX XXXX XXXXXXXX XXXX : Balance {$410.00} Last Report date XX/XX/2023 Discover Personal Loan : Balance {$790.00} Last Report date XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account does not belong to me. It was open fraudulently and is damaging to my account. I have previously contacted Experian regarding the inaccurate, offending collection account on my credit report. This debt was not properly validated because if that was so, it would not be reporting on my credit profile. As such, I am asking that Experian adhere to the law and remove this information from my credit report immediately. Failure to do so is a direct violation of the FCRA & FDCPA laws.

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