BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-21
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2018 I sent this letter to XXXX XXXX Dear : XXXX XXXX XXXX As I was reviewing my credit report I became aware of a collections account reporting by your company. What I find strange is your attempt to collect on a debt thats non-existence. Why would I pay for something I do not owe? Again, I dont owe you any money? 
With that being said, please see this letter as me disputing this alleged debt with your company as well as requesting debt validation. 
Thirty days, is more than enough time for you to send me legal supporting documents bearing that this account belongs to me, hence owing you any money. 

Regards, XXXX XX/XX/18 Report # XXXX Dispute Results : * XXXX XXXX XXXX XXXX-Verified as accurate *XXXX XXXX XXXX XXXX XXXX Verified as accurate XXXX XX/XX/18 Report # XXXX Dispute Results : XXXX XXXX XXXX XXXX Deleted *XXXX XXXX XXXX XXXX XXXX-Updated If XXXX XXXX sold this account to XXXX XXXX XXXX why were they both reporting as open? Once I sent the debt validation letter to XXXX XXXX XXXX it was finally removed. Attached below is the letter that I sent the credit bureaus. 

Dear Credit Bureau I am writing to dispute this account that is reporting inaccurately. I contacted XXXX XXXX XXXX  at the telephone number XXXX on XX/XX/2018 at XXXX XXXX and was advised to contact another number XXXX. What I find strange is XXXX XXXX XXXX  sold this account to XXXX XXXX XXXX, but XXXX XXXX XXXX has removed this from my credit file as of XX/XX/18 after my dispute with them. Both XXXX XXXX XXXX  and XXXX XXXX XXXX, with the same partial account number XXXX were both reporting on this same debt. IMPOSSIBLE!! This is not a valid debt so how are you reporting it if its non-existence? I demand that you provide me with legal proof. Why would I pay for something I do not owe? Again, I dont owe XXXX XXXX XXXX any money? I demand this information be deleted from my report. Send me an updated copy of my report once this has been deleted. 
Thirty days, is more than enough time for you/XXXX XXXX XXXX to send me legal supporting documents bearing that this account belongs to me, hence owing XXXX XXXX XXXX any money. Im demanding that this is removed from my credit report immediately if XXXX XXXX XXXX cant provide proper information/documentation that I owe their company. Continuing to report this inaccurate, unverifiable information on my report is illegal and I will file a complaint with CFPB, FTC, XXXX and whoever else I need to get this resolved. 

Regards, THE IS UNFAIR TO MYSELF AS A CONSUMER AND I WOULD LIKE FOR BOTH ITEMS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i had three checking accounts with navy federal credit union the first time I made a claim my ex boyfriend had someone call into the bank pretend to be me and order a new card and used to it get my money then I filed a claim the bank gave me the money then took it bank then they closed that account .the second account is still open my ex tried to XXXX  me and my kids I had to leave my home I left everything behind he used my debit card called the bank as soon as I found out the bank told me its my fault and the denied my claim and told me to go ask my ex for the money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: LEXISNEXIS
State: MO
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:
Unauthorized credit inquiry on Lexis Nexis report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AZ XXXX XXXX dated XX/XX/XXXX. I have no known accounts with this company nor have I received any communication from the company as of today, XX/XX/XXXX. 

It is stated in Lexis Nexus report that this inquiry is shared with companies that view my Consumer file, may be used in credit scoring and may impact a credit rating. 

This inquiry needs to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2018 I sent this letter to XXXX XXXX Dear : XXXX XXXX XXXX As I was reviewing my credit report I became aware of a collections account reporting by your company. What I find strange is your attempt to collect on a debt thats non-existence. Why would I pay for something I do not owe? Again, I dont owe you any money? 
With that being said, please see this letter as me disputing this alleged debt with your company as well as requesting debt validation. 
Thirty days, is more than enough time for you to send me legal supporting documents bearing that this account belongs to me, hence owing you any money. 

Regards, XXXX XX/XX/18 Report # XXXX Dispute Results : * XXXX XXXX XXXX XXXX-Verified as accurate *XXXX XXXX XXXX XXXX XXXX Verified as accurate XXXX XX/XX/18 Report # XXXX Dispute Results : XXXX XXXX XXXX XXXX Deleted *XXXX XXXX XXXX XXXX XXXXUpdated If XXXX XXXX sold this account to XXXX XXXX XXXX why were they both reporting as open? Once I sent the debt validation letter to XXXX XXXX XXXX it was finally removed. Attached below is the letter that I sent the credit bureaus. 

Dear Credit Bureau I am writing to dispute this account that is reporting inaccurately. I contacted XXXX XXXX XXXX at the telephone number XXXX on XX/XX/2018 at XXXX pm and was advised to contact another number XXXX. What I find strange is XXXX XXXX XXXX sold this account to XXXX XXXX XXXX., but XXXX XXXX XXXX has removed this from my credit file as of XX/XX/18 after my dispute with them. Both XXXX XXXX XXXX and XXXX XXXX XXXX, with the same partial account number XXXX were both reporting on this same debt. IMPOSSIBLE!! This is not a valid debt so how are you reporting it if its non-existence? I demand that you provide me with legal proof. Why would I pay for something I do not owe? Again, I dont owe XXXX XXXX XXXX any money? I demand this information be deleted from my report. Send me an updated copy of my report once this has been deleted. 
Thirty days, is more than enough time for you/XXXX XXXX XXXX to send me legal supporting documents bearing that this account belongs to me, hence owing XXXX XXXX XXXX any money. Im demanding that this is removed from my credit report immediately if XXXX XXXX XXXX cant provide proper information/documentation that I owe their company. Continuing to report this inaccurate, unverifiable information on my report is illegal and I will file a complaint with CFPB, FTC, XXXX and whoever else I need to get this resolved. 

Regards, THE IS UNFAIR TO MYSELF AS A CONSUMER AND I WOULD LIKE FOR BOTH ITEMS TO BE REMOVED FROM MY CREDIT FILE 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 2018-08-29
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I had signed up for a small loan with the comapny Money Lion early XX/XX/2018. The loan was for {$600.00} to be paid in weekly installments of approximately {$24.00} at 5.99 % interest. It wasn't clearly explained that I would also be signing up for their membership with a fee of approximately $ XXXX/week as well. 

I paid the loan off and the weekly membership fees late XX/XX/2018. I request that my account be closed since the loan was paid off and I could not afford weekly fees. I was not sure what use the fees were, but I was desperate and needed the {$600.00} for rent. On XX/XX/2018 I called to close the account. The rep on the phone said she would try to run an ACH payment but it wouldn't clear and I could not close the account with pending transactions The company takes 3-5 business for ach payments and I would have to call in exactly after the transaction cleared from the prior week but before the following payment went into queue. I asked if I could pay with a debit card the next morning if that would be faster. She said if I called first thing ( XXXX pacific ) then I could pay and close the account. 

I called at XXXX on XX/XX/2018 and was told I couldn't process my debit payment because the ACH payment was already charged. She also explained that there were two more payments on my account that would have to be paid before it could be closed. I called back at XXXX to explain that I got a notification that my payment had cleared from the prior week and to see if I could process the payment and close the account. The representative said they had to escalate the issue up and said they would try to cancel the payment. No word back on the status while the payment is still pending. 

Because I was unsure of all the payments being processed I called my bank to put a stop payment earl this morning ( XX/XX/2018 ) on all fees being charge from this company. I am in process of sending a letter to the office address to state in writing that I want my automatic payments to stop and to cancel my account. 

I am a survivor of a XXXX XXXX and suffer from XXXX. I can not handle the stress of this company their lending practices. I feel victimized by their methods to never get out of paying almost {$130.00} a month for a service that offers no benefit, after then loan has been paid off.

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 2020-10-14
Company: Sequium Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The reason for my dispute is Sequim ASSET SOLUTIONS XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, SEQUIUM ASSET SOLUTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) SEQUIUM ASSET SOLUTIONS  XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation SEQUIUM ASSET SOLUTIONS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. XXXX  I fail to see where XXXX XXXX XXXX  is in compliance with OHIO LAW. I also have reported this account to the FTC, and  XXXX Police Dept. I need this collection account to be removed from my credit report. SEQUIUM ASSET SOLUTIONS  XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2018, indicating a collection account for {$680.00}, has been placed with XXXX XXXX XXXX  for collection by XXXX XXXX XXXX College District. I do not and never have owed any money to this College nor have I taken out a loan of any kind with this College nor in any form in connection with this College. This debt is a fraud and does not belong to me. Furthermore, before a student can attend any course within this college, payment must be paid in full before any class can be attended. Therefore this debt is a fraud and does not belong to me and this company has received false information.

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 2020-07-01
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX  XXXX {$6300.00} XXXX  XXXX {$760.00} XXXX  XXXX  XXXX {$63.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a PayPal account. I discovered that PayPal had frozen my account. I have written them and called many times. I have submitted paperwork including my drivers license and bank account statement, which they indicated they needed as proof of change of address ( I moved ). I was hoping to unfreeze and use my account. I have been waiting more than two weeks since the last interaction. They told me unfreezing the account would take 2 days. ( I got through to a real person one time. ) Ever since I got through once, I can no longer get through to them and there are no methods available to email or contact them. My emails get bounced back as no reply. And my calls get answered by an AI system, and then they hang up on my no matter how I try to get through. At this point I have been trying to close my account. I can't do it. I tried using the " close account '' process in my account once I login. It does not work. The process results in an 'error. ' I am not sure if I had funds in my account, but it is currently at a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-24
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I went to an XXXX store in XXXX, TN and tried to pay for my purchase with my XXXX store card. The salesperson tried running the card twice, but it kept getting denied. I finally left the store embarrassed, as people were gathering and she was also calling her manager. I called the toll free number for XXXX and the automated system told me that theres {$250.00} limit on the card ( as it was before ) and that no payment is due at the moment. I finally got through to an operator that informed me that my account was closed as of XX/XX/XXXX. I have not received any correspondence from XXXX, the automated information still tells me that I have a line of credit and after logging into my account online, it also states that I have credit available. I have suffered great humiliation at the store, was embarrassed beyond belief and Im too embarrassed to go back to that store. I understand that banks can close account at any point, however they must notify the credit card holder of doing so, which XXXX has failed to do. The manager I  spoke with could not explain why this happened and how they can prevent this from happening again. A multi billion company has failed to provide customer service and they dont have plans to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted the bureaus and the company has as well. The company, XXXX has stated that per our agreement that the account were paid and have agreed to deleted those accounts from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: EQUIFAX, INC.
State: PA
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 became a victim of identity theft and I submitted a ID Theft proof based on instructions from the FCRA 605B which included documents such as, a signed FCRA Affidavit, proof of residence and identity, and police report. Unfortunately, all XXXX credit bureaus only processed part of my request and many fraudulent accounts are still reporting. The bureaus stated that the accounts were verified by the creditor which is impossible!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I completed a fraud affidavit a couple of years ago regarding a XXXX bill that did not belong to me. 
I received a copy of my credit report and this company Diversified Consultants has a collection on my reports from XXXX. I contacted XXXX and was informed dispute with the bureaus as well as a file a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2018-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have a dispute on my credit that I opened with XXXX several years ago and it is paid in full but still shows in dispute status. I need this dispute removed from my credit so that I can get a mortgage loan. It is a medical bill for {$90.00}. The collection was XXXX XXXX XXXX. Please see below. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Original Amount : {$90.00} Original Creditor : XXXX XXXX XXXX XXXX ( Medical/Health Care ) Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PAID COLLECTION< Estimated month and year that this item will be removed : XX/XX/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 2019-09-03
Company: EQUIFAX, INC.
State: MO
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:
Equifax and al debt listed on accounts XXXX XXXX XXXX XXXXXXXX   XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: BANK OF THE WEST
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I contacted Bank of The West to apply for a mortgage for a 2nd home. All went well - I received a letter dated XX/XX/XXXX that my loan application had been approved. I was charged for an appraisal in the amount of {$490.00} on the XXXX. 
All paperwork they required from me was sent in - I received a call on XX/XX/XXXX from XXXX XXXX at Bank of the West that we could the close as early as XX/XX/XXXX. I contacted the seller and informed them of the information regarding the close. 

On XX/XX/XXXX I received a call from XXXX XXXX at Bank of the West stating that the Condo Safe Questionnare, which was not sent to the management company until XX/XX/XXXX, had come back stating the PROPERTY didn't qualify. Not that I didn't qualify - the property itself didn't qualify. 

I contacted Bank of the West and filed a complaint stating they should have vetted the property FIRST to make the sure the property qualified BEFORE ordering an appraisal. If the property didn't qualify, if they had done their due diligence, even if it caused the loan process to take longer, then that information would have saved me time and money. Now I have wasted the entire month, and also incurred a needless appraisal fee. 

I requested a refund of the appraisal fee from Bank of The West because they should have vetted the property and sent the Condo Safe Questionnaire IMMEDIATELY to the property manager. An appraisal should NOT have been ordered until they knew that the property would satisfy their requirements. 

Bank of the West is refusing to return any/all of the appraisal fee, which I think is totally unfair and inappropriate.

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