BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I'm a victim of Identify theft someone has used me personal information to get a Phone from XXXX. I never had a Phone with XXXX during the time I was in XXXX. XXXX  and Equifax is reporting a collection account for XXXX XXXX. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09
Company: Loantopia
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
initially they had taken funds on days I didn't authorize I then tried to contact someone and it took several days but no one returned my call. I was sent to an answering machine. Days later I contacted a representative and spoke with XXXX XXXX and a gentleman by the name of XXXX. funds were not returned. I then had to speak to my bank. They are now sending harassing threatening debt collection tactics after I canceled the ACH pay from my personal account. They are calling my cell XXXX constantly emailing me at XXXX. I really need them to stop.This is what they sent me. 

-- -- -- -- -- Forwarded message -- -- -- -- -- From : " Loantopia '' XXXX Date : XX/XX/2018 XXXX XXXX Subject : Don't wait - Legal action may be soon To : XXXX Cc : XXXX XXXX XXXX, XXXX, CA XXXX XXXX Notice XXXX Intent to Recover XX/XX/2018 RE : XXXX XXXX XXXX, We have been most patient, but you have failed to respond to previous notices regarding your account with Loantopia, formerly Shoreside Loans.  We now have no alternative but to require immediate payment. Failure to respond may lead to legal action against you. 
Your account is now severely past due with a total outstanding balance of {$3000.00} and is being prepared to be presented to our Legal Department for the recovery of your debt to Loantopia, formerly, Shoreside Loans. This may cause you to incur additional legal costs and fees associated with the recovery of all amounts owed. When approved, Loantopia, formerly Shoreside Loans, may obtain a judgment against you that will be immediately recovered via a wage garnishment order to be executed through your employer, XXXX, at a rate of 25 % of your disposable income until all amounts obtained through the judgment are satisfied. To avoid these actions, we must obtain payment and set proper arrangements to bring your account current through any of our available means of assistance. You may begin this process by contacting an account specialist at XXXX, or you may reply to this email. We appreciate your cooperation and look forward to resolving this matter with you, thank you. 

This is an attempt to collect a debt and any information obtained will be used for that purpose.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
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: Information belongs to someone else

Complaint:
To whom it may concern : My name is XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: CITIBANK, N.A.
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 is reporting an account in negative status. I have requested time and time again ( via disputing with XXXX, XXXX and XXXX ) for the credit reporting agencies to conduct an investigation regarding the validity of this debt ( original signed contract, etc. ). However, the credit reporting agencies all claim that the debt is verified, but I have no documentation showing that I signed a contract for this card, or any proof corroborating their claim. Is it possible that the credit reporting agencies will provide me with this information ( if it 's available ) for verification of the debt? XXXX XXXX has not provided anything to me, nor has XXXX, XXXX and 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 2018-01-06
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: Old information reappears or never goes away

Complaint:
I have one account on my credit report that i have disputed and been deleted twice. Now it shows to be back on my credit report. 
1. XXXX XXXX {$54.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: SC
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, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
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 received a certified mail letter from Equifax, XXXX, and XXXX that proves they received my dispute for XXXX XXXX XXXX. They are required by law to remove the negative account because the debt was opened fraudulently Per Section 605 B of the US Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Recently I received notification from M & T Bank ( creditor ) that our escrow account was short. Our two options were to make a payment in full to satisfy the escrow shortage, or make monthly payments to satisfy the deficit. My family and I decided to make additional monthly payments. Three additional payments were made towards the escrow shortage. Separate checks were written and I specify on the memo section of the check that these additional payments should be applied towards the escrow shortage. 

M & T chose to apply my escrow check payment towards my principle & interest payments, therefore, they have failed to apply my escrow payments correctly. Several unsuccessful attempts have been made to resolve this matter. During my last attempt to contact them in XXXX 2017 I was finally promised that they would reverse the escrow payments that were previously credited to my principle and interest. Unfortunately, about two weeks later we were contact by the creditor, this time to inform us that they will not be able to correct their mistake since the error occurred more than 90 days prior. 

Again we have made several attempts to resolve this matter within 90 days prior to receiving the last letter from creditor.Furthermore, creditor is reporting that I am 30 days late on my mortgage based on how my account was credited. This erroneous reporting can be a detriment to my credit scores.

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 2017-07-31
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was denied credit due to a collection account that appeared on my credit. I saw that it was NCB MANAGEMENT SERVICES. They never sent me a notification or anything they just put it on my credit. I sent them a dispute and a request for validation of the account. I never owed anyone XXXX They also re aged the account as well. This has been going on for 95 days and NCB refuse to answer me. They continue to report this inaccurate unverifiable information on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Well when we opened the account my ex put a check in my account and since that day which was XXXX XXXX my account says that it 's going to be closed and it 's restricted now. I did n't give him permission to do anything to mine and our daughters account. So now their trying to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: JPMORGAN CHASE & CO.
State: NV
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:
these transactions aren't mine I kept telling chase and they refused to work with me!!! and along with XX/XX/XXXXI no longer want their service and I dispute that transaction XXXX XXXX XXXX   XXXX XXXX Food & drinks {$34.00} See details about this transaction XX/XX/2019 XXXX # XXXX Groceries {$200.00} See details about this transaction XX/XX/2019 XX/XX/XXXX *XXXX  XXXX XXXX Food & drinks {$22.00} See details about this transaction XX/XX/2019 XXXX Food & drinks {$29.00} See details about this transaction XX/XX/2019 XXXX  - XXXX XXXX Food & drinks {$59.00} See details about this transaction XX/XX/2019 XXXX  XXXX Food & drinks {$74.00} See details about this transaction XX/XX/2019 XXXX XXXX XXXX Shopping {$490.00} See details about this transaction XX/XX/2019 XXXX XXXX Gas {$22.00} See details about this transaction XX/XX/2019 XXXX XXXX Food & drinks {$74.00} See details about this transaction XX/XX/2019 XXXX XXXX XXXX Shopping {$490.00} See details about this transaction XX/XX/2019 XXXX XXXX Gas {$47.00} See details about this transaction XX/XX/2019 XXXX XXXX XXXX Shopping {$1300.00} See details about this transaction XX/XX/2019 XXXX  *XXXX  XXXX XXXX these are the stuff that I never made please stop pointing fingers at me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
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: Old information reappears or never goes away

Complaint:
XXXX is still reporting my XXXX  XXXX XXXX account ending in XXXX on my credit file I just received a letter from XXXX  XXXX XXXX stating that they changed the opening date of when I opened the account to XX/XX/ which then means that it is past the 7 year mark that it should be on my credit file and I now want it to be removed immediately from my credit file from all three credit bureaus please I will include a screen shot of the letter I received from XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As I was reviewing my credit report, I noticed that I have a collections that is not mine and it is affecting my credit score. I never got a mail, notifications or warning that this will be reported in my credit report. I already sent a dispute letter to the collection company and credit beauros.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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:
n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights .15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also 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 2019-10-16
Company: Firstsource Business Process Services, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I received notice from One Advantage , LLC representing XXXX XXXX XXXX XXXX hospital for collection of medical debt. This agency is practicing an extortion scheme in which if payment of the balance is not received by a given date the agency will report the medical debt to credit bureaus. This method of extortion is an abusive practice as defined by the Dodd-Frank act, as it is unfair to low income individuals/consumers who lack the means to pay the balance demanded by the given date. 

I believe these practices being used are in violation of both UDAAP and FCRA. As such, I will be consulting with a litigation firm for the express intent to solicit a stop to these abusive practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Express Recovery Services, Inc.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1st account : opened on XX/XX/2014. account was paid in full ( {$53.00} ), spoke to personal by phone to have it removed from credit report XX/XX/XXXX.

2nd account : opened on XX/XX/XXXX. account was paid in full ( {$260.00} ) .spoke to personal by phone to have it removed from credit report XX/XX/XXXX.

3rd account : opened on XX/XX/XXXX : account was paid in full ( {$170.00} ) .spoke to personal by phone to have it removed from credit report XX/XX/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 2019-07-29
Company: EQUIFAX, INC.
State: MO
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:
Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I have already the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX and XXXX however, Equifax has not removed this from my report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Resurgent Capital Services L.P.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
- Letter dated XX/XX/2019 requesting Validation of Debt sent to LVNV - Response letter dated XX/XX/2019 with an account summary as Validation of Debt. 
- Response letter dated XX/XX/2019 with an account as Validation of Debt - Another letter dated XX/XX/2019 requesting Validation of Debt not an account summary. 
- NO RESPONSE FROM LVNV

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. DISCOVER FIN SVCS LLC XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1500.00} REV {$2300.00} - {$2300.00} XXXX XXXX XXXX XXXX CHARGE OFF XP/TU/EF Late Dates : XX/XX/XXXX-150+, XX/XX/XXXX-150+, XX/XX/XXXX-120, XX/XX/XXXX-90, XX/XX/XXXX-60, XX/XX/XXXX-30 ACCOUNT INFORMATION DISPUTED BY CONSUMER The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was planning on purchasing a new home in the country. I inquired about XXXX XXXX and was told that I had 30 days to try out XXXX XXXX. I had it for less than two weeks when I decided to cancel and go to a cheaper plan with XXXX XXXX for TV and internet. I am a single parent and wanted to get the best deal possible to help save with monthly cost. I was not informed at the time of cancellation that I would owe them a fee for cancelling services, the only thing that I was told is that I needed to send the equipment back in which was done. A month or so later I received a bill from them saying I owed them hundreds of dollars for cancelling early, it was only 10 days into the service. I told them I was willing to pay for my service but was not going to pay a fee because I was told I had 30 days. I decided to go with XXXX XXXX whom also stated that I had a 30 day window and that I could cancel if not satisfied with the cable and internet service. I ended up moving out of the house after realizing I just could not do it by myself with XXXX children. I cancelled XXXX XXXX before 30 days and sent back the equipment as requested by XXXX XXXX. They ended up trying to charge me a cancellation fee as well. I did pay them what was owed on my bill and told them that it was stated that I had 30 days to cancel and that I had just been through this with XXXX XXXX so I made sure this would not happen with them if it did not work out. Now both of these are on my credit report and I need help getting them removed. They will not take it from my credit report. I have tried offering them a settlement amount, but that does not seem to make them happy. I have never bought a house and I am trying to do that in the next year for my children and I. Like I said I am willing to pay for the TV service that was used, but I should not have to pay hundreds of dollars for simply cancelling my services. I sent in all equipment as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: USCB, 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 previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: WELLS FARGO & COMPANY
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I DONT HAVE ACCOUNT WHEN I PURCHASE MY VEHICLE THE CAR SALEMAN DIDNT TELL ME HE WAS RUNNING MY CREDIT TO SEVERAL AUTO LOAN FINANCE COMPANY THAT WHY I HAVE TRIED ON SEVERAL OCCASION TO RESOLVE THIS MATTER NO LUCK

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