BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS ACCOUNT DOES NOT BELONG TO ME SOMEONE USED MY INFORMATION TO GO TO THIS SCHOOL MY PHOTO ID AND SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX CRA. On XX/XX/2020, I mailed XXXX, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I reached out to the bureau several times regarding a Bankruptcy showing on my file. In their investigation they stated verified. In my dispute i requested who verified those bankruptcy cases, they did not provide me a copy or documents of whom they spoke with. The bankruptcy courts have told me that they do not verify nor provide any information to credit reporting agencies, nor do they ever validate and or confirm public records to third parties providers who collect information proving public records. Therefore I have proof the bureau has never validated or verified these inaccurate public records on my report, which tells me they are in violation of FCRA. 
Case numbers are 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 2020-04-29
Company: EQUIFAX, INC.
State: TN
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:
On several occasions I have sent several letter to the credit bureau explaining to them that accounts showing on my report is not mine. Each time the bureau would reply and state verified. I have ask them to show proof and verify the account is mine, such as contracts, signature. By law they have to show me proof if they are reporting this on my credit file. They are not removing the accounts. This is hard on my life and now in a pandemic covid 19, I can not get any assist with these errors. They have failed 3 times to show me their method of verification. 
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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On several occasions I have sent several letter to the credit bureau explaining to them that accounts showing on my report is not mine. Each time the bureau would reply and state verified. I have ask them to show proof and verify the account is mine, such as contracts, signature. By law they have to show me proof if they are reporting this on my credit file. They are not removing the accounts. This is hard on my life and now in a pandemic covid 19, I can not get any assist with these errors. They have failed 3 times to show me their method of verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX 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 explanation
Consumer complaint received 2020-04-28
Company: WELLS FARGO & COMPANY
State: TX
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:
WHEN I CHECKED MY CREDIT REPORT I SAW THIS ACCOUNT THAT DOES NOT BELONG TO ME

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 2021-10-18
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX all funds were removed from the account and XXXX ( XXXX XXXX XXXX ) were instructed by recorded phone call that they were to close the account effective XX/XX/XXXX. 

On XX/XX/XXXX unsolicited email was received from XXXX stating that additional information was required to review my application for a XXXX Checking Account. That same day I responded to this correspondence stating : " Close this account as previously requested. '' On XX/XX/XXXX I received a phone call from XXXX. They stated that during the 10 days my account had a positive balance that it had earned {$1.00} in interest. This interest was added on XX/XX/XXXX, fifteen days after the account was to be closed. I was told that I would need to remove the funds from the account ( again ) before it can be closed. That same day I once again removed all funds in the account. 

On XX/XX/XXXX I received another unsolicited email from XXXX. This email stated : " We need additional information to review your XXXX XXXX request. ". At no time have I ever made any request to XXXX for any type of funding product or service. On the same day I advised XXXX that we did no longer have a transactional relationship and that they were in violation of the CAN-SPAM Act of XXXX for sending unsolicited emails without the ability to unsubscribe. 

On XX/XX/XXXX XXXX responded to my email stating that they would unsubscribe me from marketing emails, but that as I still had an account with them they were unable to stop transactional emails. I advised XXXX that twice now I have closed this account. They responded by stating that there was now {$2.00} in the account, which appears that they reversed my transfer request of {$1.00} made on XX/XX/XXXX on XX/XX/XXXX. It appears they have now XXXX my ability to remove funds from the account using the bank account that was used to fund the account. Not only did they reverse the transaction, they also added an additional {$1.00} to the account, despite the account have no funds in it for over a month. 

I have reason to believe that XXXX is refusing to close this account in an attempt to artificially increase their customer numbers with the goal of defrauding investors. As such, I have filed this complaint with the CFPB and will be filing a complaint with the SEC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had a account with Bank Of America from 2018, they decide to close my company account and my personal account ( checking both ) for two supposedly check fraudulent deposited in my account in the texas state, they sent me a letter informing me that the will report this to XXXX XXXX causing me a big damage over my person and company, because they said that we will not open a new account for 5 years, this situation was a scam over my company and me is not fair the behaviour of BANK OF AMERICA over my company and I when i was a victim, inclusive i was to the bank and they had a actitud over my person like i was a criminal

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 2021-10-04
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may concern l have been disputing this debt numerous times, ( XX/XX/XXXX ) with XXXX, also with the debt collection agency ( CACH LLC C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX ) to no avail, mail was returned ( see attached ) when l called, l was told numerous times that name on the account and my name does not match, therefore they would not speak to me. ( Whilst still reporting the same account to my credit profile ) This debt collection agency playing tricks and re-ageing account as if l just opened the account ; ( see attached ) it was reported to XXXX in XX/XX/XXXX that l owed {$7700.00}, whereas ( Cach LLC ) would not talk to me about same debt, l try to sue in XXXX XXXX XXXX small claims court l was told, l need to file report with CFPB, then l can sue for misrepresentation and FRAUD. 
l want ( CACH LLC C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX ) to seize reporting unconfirmed debt to my credit profile and seize all collections, till they can proves said account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
A major fraud incident occurred in 2017 my original claim was excepted and then told me to go through and mark all the fraudulent activity and there was in my business account and personal. I immediately went into the branch and began my claim with an branch associate and we completed a portion and submitted it to get me a little breathing room to then continue the entire claim. Over the next months Wells Fargo decided I needed to re do the claim and re submit. After filling the claim Wells Fargo proceeded bill automatic payments putting me further in debt. Over the next year I was given the run around and told to re do re submit every time. Finally after nearly a year they offered me XXXX dollars to compensate since to much time had passed to award me my claim that they said was valid but to late due to them not excepting my claim over and over. I asked repidiatly for my statements on both accounts and the business account I never received the claim was worth over 25,000. I am now destitute and trying to rebuild my life at XXXX years old and been a Wells Fargo client for over 20 years and this is how I was treated you can look at my account and see the Freud clear as day please help me out I dont know who to turn 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 2021-07-08
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: Account information incorrect

Complaint:
I was the victim of multiple credit card fraud via a XXXX card. This fraud was timely reported to XXXX on multiples ocasions, to which they responded by just issuing a new credit card. 

Recently I noticed a XXXX point drop in my Credit Score and is due to a negative remark reported to Transunion by XXXX on one of these fraud accounts ( XXXX XXXX XXXX XXXX XXXX ) I contacted XXXX and they told me they can't do anything since they sold this account to XXXX XXXX collection company. 

I need XXXX to contact Transunion and remove this remark since it was a fraudulent purchase. 

I need XXXX XXXXXXXX to stop attempting to collect via phone a fraudulent account. They need to work based on accurate data. 

I need XXXX to send me a check with the {$120.00} credit I was debited from my account during the fraud.

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 2019-06-25
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX we closed on our home and Planet Home Lending is our mortgage company. At closing we received {$2200.00} from seller to pay the property taxes from XXXX. In XXXX I received a letter from the county saying we didn't pay our taxes for XX/XX/2018 and sent us a bill for the whole year. I immediately called Planet Home Lending and talked with our loan officer XXXX XXXX to try to get an answer on why this was the case since we received the credit from the seller and have been making our mortgage payment every month on time, with {$560.00} going into our escrow account to pay taxes and insurance. They told us they didn't know but we had to pay the taxes and that they are taking all the money out our current escrow to pay the taxes! Also that our mortgage would go up {$270.00} a month because now our escrow was delinquent. We sent numerous emails and called numerous times to try to get this resolved, they would only send us letters stating they were looking into our account and they kept extending the period of resolution. They finally reached out now and told us that they would refinance us with a lower percentage rate but are charging us {$5000.00} in fees, some duplicated from what we already paid in XXXX and then they try to make it better by saying they will give us {$2500.00} in lender credits. No matter how I look at this it just doesn't make sense or add up. They clearly made a mistake and admitted to it and now trying to get us to rush and sign the refinance paperwork. I don't know what to do at this point, I don't trust that they have our best interest at hand. We can't afford this increase and feel we shouldn't have to pay for their mistake but also feel like the refinance is just benefiting them and charging us for their mistake.David told me that his branch manager would be handling our case his name is XXXX XXXX, I have called him and he told me someone else would call me back. So then this guy named XXXX XXXX sent me an email about applying for a loan?! I called him and he had no knowledge of our account or the issues that they have caused with our escrow account! They are completely ignoring our complaint and their mistake! This is ridiculous and they should not be in business! I have all emails and correspondence saved and can produce if and when necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX, I completed online application on Simple.com to open an account. The website requested that I submit my social security card for verifying my identify. So far, I've completed this step of sending multiple images of my social security card to Simple and they have yet to open my account. The representative that I spoke with on XX/XX/XXXX told me that a real person had viewed my documents to verify my identity, but they couldn't use the document because all four corners of the social security card wasn't visible in the image. I was told that regardless if the social security number, name and signature was seen on the card, the image wouldn't be used and wouldn't be accepted as proof and I would have to keep repeating this process. So far, this account isn't opened, I submitted the documentation that asked for, yet they refused to use it to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: PA
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:
There is a collection tied to a fraudulent account on my credit report and it must be removed immediately! The collection is from XXXX Mobility -- the collection agency is XXXX XXXX and the collection was opened XX/XX/2021. 

I have attached my Identity Theft Report and my identification. You must remove this or I will be suing all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions 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:
I am writing to dispute an account fraudulently opened in my name with XXXX Bank. I am a victim of identity theft and did not open this account # XXXX. XXXX Bank is attempting to collect an alleged debt on the basis of fraud. I am not responsible for any payments for this account XXXX. I have no business with XXXX Bank and its successors. I do not have a contract with XXXX XXXXSection 611 and 609. XXXX Bank has report false, derogatory and defamatory information about me to Experian. Please provide verification of your claim, including a lawful contract ; a hand signed invoice in accordance with Bills of Exchange Act ( 1882 ) and proof of agency. I may settle any financial obligation I might lawfully owe. Your said failure to provide verification of your claim constitutes your agreement to the following terms : that you are a third party interloper, you have no legal standing, no first-hand knowledge of this matter, your claim is fraudulent ; any damages I suffer you will be held culpable, you agree to pay all fee scheduled ; that any negative remarks made to a credit reference agency will be removed and that you will no longer pursue this matter.FCRA 611 ( a ) [ 15 USC 1681i ( a ) ] and Section 609 ( a ) ( 1 ) ( A ). Breach of fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or consideration was given, Fraud!

15 USC 1692 K and 15 USC 1640 Civil liability. 15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Delete account from consumer report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Navient Solutions, LLC.
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:
On XX/XX/2019 I submitted all the correct forms and documents for my Income Driven Payment Plan including my tax return and pay subs which were all up to date and printed clearly. At XXXX this morning, I received a statement that the documents were not properly sent, the information was illegible and that I would have to file again. But when I called today at around XXXX XXXX, a service representative said that this time I could just write down my gross income on a blank piece of paper, in my own handwriting, send that in and it would be accepted ... They're going to take my word and a signature on a piece of paper to officially verify my information as an official document for my payment plan. When I asked if I could send it in the mail officially, the service representative seemed hesitant to let me do that. They are purposely prolonging the period so that I will have to pay the full amount. They are almost completely impossible to get a hold of. Whenever I send in documents like my name change and official documentation for that, they either claim that they didn't receive it, or it was ineligible. They have still not updated my name change, even though I have submitted that in early XXXX. 

I am tired of submitting the same documents, which are faxed clearly and are marked as received from my fax machine, only for them to say that they are processing my return two weeks later, and then replying that my loans have been denied for the same information two weeks after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The above law firm representing Midland negotiated a settlement with me on a debt obligation being reported to the three credit bureaus as derogatory/delinquent unpaid. 
I agreed to settle with a payment of {$500.00} in XX/XX/2018 in exchange for Midland removing all derogatory reporting to the credit bureaus and listing the account closed/settled. Instead, the took my payment as a " partial '' and list the account as derogatory with unpaid balance of {$410.00}. 
I am senior XXXX ( SSI ) and had the right to have the entire debt retired under federal law but decided to be responsible and hoped Midland was equally honorable and would adhere to the agreement reached via their legal representative. I am attaching a letter from the legal firm confirming this settlement we agreed to and also have a full thread of e-mails proving how this settlement was reached.

Company response to consumer: Closed with explanation