BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-27
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:
XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX {$2900.00} XXXX XXXX LAST REPORTED : XX/XX/XXXX {$2900.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX LAST REPORTED : XX/XX/XXXX {$270.00} NEEDS ATTENTION XXXX  XXXX {$3600.00} XXXX  XXXX XXXX XXXX XXXX CLOSED : XXXX XXXX, XXXX {$3600.00} CLOSED XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23
Company: DIRECMANAGEMENT, INC.
State: TX
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:
I've had tried to contact XXXX XXXX XXXX, on numerous occasions concerning several debts in which I have no knowledge of. I have requested debt validation and/or contract agreements between XXXX XXXX XXXX and myself, but they have failed to provide them. They have illegally scared my credit and violated my rights under the HIPPA Privacy Act. Please help me to resolve this matter promptly. XXXX XXXX XXXX is located at : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. 


Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX {$2900.00} XXXX XXXX LAST REPORTED : XX/XX/XXXX {$2900.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX LAST REPORTED : XX/XX/XXXX {$270.00} NEEDS ATTENTION XXXX XXXX {$3600.00} XXXX XXXX XXXX  XXXX XXXX CLOSED : XXXX XXXX, XXXX {$3600.00} CLOSED XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2021-06-07
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a money order for {$960.00}, bought through XXXX XXXX, from one of my XXXX on XX/XX/2021 into my XXXX account at Wells Fargo Bank in XXXX Colorado. On XXXX XXXX Wells Fargo sent me an E-Mail that there was a stop payment on this money order and that they were deducting {$970.00} from my account.. That include {$12.00} for returned check.. 
XXXX XXXX says this check was cashed on XXXX XXXX, Wells Fargo says no there was a stop payment on it.. 
I am out {$960.00} and do not now who to turn to in order to get my money back..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-07
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The issue that I am having is that the company in question ( COLLECTION BUREAU OF AMERICA ) will not send me any formal validation of the debt, will not send me any formal letter in writing stating how much I owe or conditions and terms if I pay the debt. I want a formal agreement in writing that if I pay the debt, that it will be removed from my credit report and the representative at the company, XXXX XXXX has disagreed to do so, and told me this was not possible. First rule of doing these things is to always have everything in writing and they do not want to do so until AFTER the debt is paid, which is bad practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Collection Information Bureau, Inc.
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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX  Last reported : XX/XX/XXXX {$270.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX {$270.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Credit Technology, Inc.
State: NC
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 did not authorize XXXX to check my credit I did not apply for s mortgage loan and they need to remove credit inquiries off my credit report with XXXX  and XXXX and XXXX attachment is my police report for fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Responded to a XXXX add selling XXXX XXXX XXXX. Communicated with the seller via text about the process. Agreed to a {$700.00} deposit to reserve a puppy. Once payment was made via Zelle using my XXXX XXXX XXXX account, the seller stopped responding to texts and phone calls. 

Date money sent : XXXX Amount : {$700.00} Transaction ID : XXXX Sellers name : XXXX XXXX Sellers email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I had leased office space because of a contract with certain performance issues by the other party so my expenses increased. Because the party did not perform I did not make any income forcing me to get a job with a lower income. This caused me to make payment lower then the amount due. Capital 1 took my security deposit, applied it to the balance and then closed the account despite the fact that I was making good faith payments to demonstrate I wanted to meet my obligation I just did not have the funds to pay the total amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
INACCURATE AND UNAUTHORIZED ACCOUNTS AND INACCURATE ADDRESSES ARE ON MY CREDIT REPORT.

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 2018-02-23
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notified PayPal of Identify Theft regarding multiple charges of credit card / PAYPAL theft by thieves that used it for XXXX gambling. I had to shutdown the compromised bank accounts ( XXXX XXXX ) and I had notified PayPal of the issue. PayPal has locked me out of my PayPal accounts and shut it down and still attempts to collect some sort of debt from me by calling my parents phone number everyday. I have no option to log in to pay the alleged debts or even speak with Customer Representative because I can not get around their system saying that I have an account there because apparently I don't even exist to them. Strange.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27
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 information incorrect

Complaint:
The information provided on my credit report by XXXX XXXX XXXX Is incorrect and invalid information. Currently the account displays a derogatory account with number XXXX an account number that is inaccurate that I have never been associated with along with an invalid address. Please remove it from my credit report. 
Thank you kindly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
The information provided on my credit report by XXXX XXXX XXXX Is incorrect and invalid information. Currently the account displays a derogatory account with number XXXX an account number that is inaccurate that I have never been associated with along with an invalid address. Please remove it from my credit report. 
Thank you kindly, 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 2018-11-27
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have thousands of dollars in my Citi 's checking account. For some reason, I haven't receive new debit card due to moving. When I moved to XXXX TX last year, I noticed my online account was blocked and I can not use my check. What's worse, Citi closed all their local branches, so there's nowhere to solve the problem locally. Then I call their customer service, they said they can not help me as I don't have the new debit card number ( I never receive, or activate ), and they ask me to write a letter to an address in XXXX XXXX. I did as they asked in XX/XX/2017, and never heard back until now. I HAVE A TROUBLE TO USE MY OWN MONEY!

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 2021-04-25
Company: EQUIFAX, INC.
State: MI
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:
am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
LEXIS NEXIS VIA XXXX, XXXX  AND XXXX HAVE REPORTED CHAPTER XXXX A BUSINESS BANKRUPTCY ON MY PERSONAL CREDIT REPORT ... THIS IS A VIOLATION OF F.C.R.A. RULES AND REGULATIONS. I ATTEMPTED TO DISPUTE THIS ERRONEOUS PUBLIC RECORD AND REQUESTED IT TO BE REMOVED FROM MY REPORT WITH NO LUCK FROM ONE OR THE OTHER AGENCY WHO ALL BLAME IT ON LEXIS NEXIS WHO IN TURN STATE THAT THEY DID NOT SELL THIS INFO TO THE BUREAUS, AND BUREAUS STATE THEY GOT IT FROM EITHER LEXIS NEXIS OR FROM COURT, AND COURT STATES THEY DO NOT FURNISH NOR VERIFY NEITHER RESPOND TO CRAs ... where is the truth here ... .. IN A MEANWHILE MY PERSONAL CREDIT REPORT HAS SUFFERED A BIG DAMAGE, MY SCORES DROPPED I WAS DENIED CREDIT SEVERAL TIMES, A FEW OF MY PERSONAL CREDIT CARDS HAVE CLOSED DUE TO THIS ERRONEOUS PUBLIC RECORD REPORTING .... AND I CAN'T SEEM TO GET ANY ANSWERS, CORRECTION OR REMOVAL OF THIS FROM ANYONE. I JUST FILED MY COMPLAINT WITH FEDERAL TRADE COMISSION WHO ASSIGN A CASE NUBMER AND I'M SCHEDULED A FOLLOW WITH THEM, ACCORDINGLY I'M FILING MY COMPLAINT WITH YOU CFPB AND HOPE FOR THIS TO BE RESOLVED WITHOUT FURTHER LEGAL HASSLE In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

https : //ag.ny.gov/press-release/ag-schneiderman-announces-groundbreaking-consumer-protection-settlement-three-national

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: MoneyLion Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Moneylion a XXXX company placed a hold on my account Thursday due to suspicious activity so I called like I was asked to not only did they not remove the freeze they refuse to remove it til they investigate my explaination for using the account I've veried my identy on the phone then with emails and still locked out of it I requested a supervisor both Friday and again today with no luck I have XXXX dollar in my account and only paid my lawn service

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
date XX/XX/2014 {$2500.00} I CALLED USAA and I complained that I had missing money in my account. and I asked to investigate why I had no money in my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Prizm Financial Company, LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have received numerous emails from the company always from a different person about my loan. I am not even a month behind and paid half a payment this month because of financial hardship. I told a person earlier today through email that I would pay the other half plus get caught up completely as soon as I got my pto payout from my former job and should not have any more issues after that if they would be patient for approximately another 30 days. Later this evening I received another email from a different person telling my my car is on the national hot list for missing cars and repossession has begun. The email stated that there is a XXXX out on me and the car. I have asked them to call me instead of emailing me also. They say they want to work with me yet they continue sending emails. This last email was totally unprofessional and threatening. I simply asked for some time and a change of due dates and an extension but this has not worked.

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 2021-10-31
Company: LEXISNEXIS
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt was discharged in bankruptcy and is still impacting my consumer report negatively. I wrote the U.S. Bankruptcy courts in Illinois and Indiana and both informed me that they DO NOT provide any information to ANY reporting agency. I've also contacted Lexis/Nexis informing them of the violations under 15 USC 1681 . Please remove and/or delete these bankruptcies from my consumer report for they are a defamation to my character and preventing me to live life as a consumer of the United States XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are the attorney firm representing XXXX XXXX and his family on the foreclosure case against him. 

Since XXXX, we have been submitting documents for a loan modification and providing every and all documents Fay Servicing has requested in a timely manner. We did so all the way through XX/XX/XXXX when our application was deemed complete and ready for underwriting to decide. 

At that point, our clients has a sale date scheduled for XX/XX/XXXX and I was informed that on XX/XX/XXXX our application was declined because it was within 37 days of the scheduled sale. A motion was filed to postpone the sale to allow underwriting sufficient time to complete the review. The motion was granted and the sale was postponed to XX/XX/XXXX. 

On XX/XX/XXXX I called AND emailed Fay to make sure they were aware of the cancelation and I was assured the review would be completed. Ever since, I have been mislead over and over, they said they escalated the file, they said it was under review, then they said it was not. Below a time line : XX/XX/XXXX Called and emailed Fay with the results of the motion so they could resume the review. 
XX/XX/XXXX A very rude agent told me our application had been deemed complete since XX/XX/XXXX and I would have an answer by XX/XX/XXXX. I emailed Fay servicing with this information. 
XXXX I was again told by Fay that the file was still being reviewed and they did not have an answer yet. 
XXXX the file was escalated to a Supervisor ( XXXX XXXX ) for the first time. I was advised I would receive an update the following Monday, XX/XX/XXXX XX/XX/XXXX I called and spoke with another Supervisor who told me our file was NEVER sent to underwriting and that she would do so then. That I should be counting 30 days from the foreclosure was canceled and not from XX/XX/XXXX. 
XX/XX/XXXX I called Fay for an update again to find out that on XX/XX/XXXX the file was denied because we were " within 37 days of the sale ''. 

The only possible reason this could have happened is that when the file was sent to underwriting for the second time ( late, as my multiple phone calls and emails were not addressed ), they did not review the account at all. The only thing they saw was a sale date and denied it without considering the escalations. 

We believe this to be unacceptable and not in good faith. We need our modification to be completed immediately as we have done absolutely everything that has been asked from us and the judge canceled the sale so they could give us an answer.

Company response to consumer: Closed with explanation