BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-21
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: Information belongs to someone else

Complaint:
I noticed there were some accounts on all three of my credit reports that were not mine, so I mailed the credit bureaus the necessary paperwork and only Equifax did not remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: ULRS, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I agreed to take responsibility for my XXXX adult daughter 's XXXX XXXX with XXXX XXXX XXXX XXXX in XXXX XXXX. I agreed to pay XXXX, then XXXX in XX/XX/2018 and XXXX XX/XX/2018. I paid all but XXXX. I agreed I owe this amount but they are saying I owe XXXX. I don't. I have tried to explain only to have them that this XXXX  is IN network and that I only agreed to pay as mentioned. I am happy to pay the XXXX that is remaining but they won't accept it. I sent ALL required dispute but they say they put this on my credit today. They have been calling from an unknown number in addition to their XXXX number and are pretending I can't say they are calling me, becuase the number is coming up unknown. They have also been harassing me saying that now man wants me because I am upset and then they have misquoted the law, which I have to outline for them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
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 status incorrect

Complaint:
To Whom it May Concern : XXXX is furnishing inaccurate negative information to the credit reporting agencies in violation of the FCRA. On XX/XX/XXXX, I pulled my credit report in connection with applying for a mortgage. My credit report indicated a collection from XXXX for a debt with an alleged date of first delinquency of XX/XX/XXXX that was assigned to XXXX from XXXX XXXX XXXX on XX/XX/XXXX. This debt is not valid. I do not owe this debt and it is being reported illegally. I fully complied with my lease with XXXX XXXX  and left my rental apartment in the same condition that I received it, per the terms of my leasing agreement. I did not owe any outstanding balance when my lease ended and I vacated the apartment. When I received a cleaning bill from XXXX XXXX, I contacted the management company ( XXXX ), as well as its Attorney, XXXX XXXX. I sent several emails attaching photographs of the apartment as I had left it and asking for evidence that the apartment required a cleaning fee for anything beyond normal wear and tear. XXXX XXXX provided no evidence to justify its bill despite our requests. My wife, an attorney, also left two voice mails for Mr. XXXX, as noted in the attached email chain. 

Since XX/XX/XXXX until XX/XX/XXXX, I heard nothing from XXXX XXXX XXXX or XXXX. I never received a debt validation notice despite the fact that my wife and I have had the same phone numbers and emails since XXXX. 

As a result of XXXX inaccurate furnishing and other FCRA violations, I am suffering monetarily and emotionally. I am currently trying to get a mortgage and have been advised by my bank that this collection is negatively impacting my credit and resulting in a significantly higher interest rate. I need this invalid collection to be deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I used two credit cards of Bank of America to pay for a product belonging to " XXXX XXXX company ''. After the payment to this company I was supposed to receive a service, which they didn't provide it ( which this company has done this to may people, they are fraud and scam, which everybody including me has filed a complaint to FTC which you can see the complaint here in this link http : XXXX ) therefore ; I contacted the BOA and asked for dispute and i provide them with plenty and needed documents.The BOA did not do anything about it and they just say that because the contract says it is " nonrefundable '' they can not do anything about it.I used other credit cards for the same issue, Like XXXX and XXXX. They accepted my reason and they really worked on it and they resolved it.

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 2019-08-30
Company: TD BANK US HOLDING COMPANY
State: CA
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 made my Car payment for XXXX and XX/XX/2018 at the same time and TD AUTO FINANCE did not apply my payment for XXXX and placed a late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions 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:
Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My 2 Visa credit cards with BBT were stolen when I was in the hospital with the Covid virus. I called BBT 's customer phone line and their dispute phone number and they have not responded to my disputes with charges that were not mine. They sent me new credit cards and they reversed small charges but they did not address the large fraudulent transfers that were made, They seemed very disorganized and I a ma getting nowhere with them by phone. I sent them a Certified letter and I am complaining to you, This involves 2 Visa credit cards as follows : 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 2018-09-04
Company: The CMI Group, 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 XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX, FL XXXX To Whom It XXXX Concern : XXXX XXXX XXXX XXXX Please be advised that I have received your correspondence. This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
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:
Last XXXX Ive sent disputes regarding to those account I found on my credit report unknown and inaccurate. Im a victim of XXXX XXXX XXXX. I is almost 1 month since Ive sent disputes but there's no response yet. I demand to DELETE ASAP those account from my credit report or I will file a litigation.

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 2018-09-04
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX US Bank closed claim # XXXX because they needed my authorization to continue as a 3rd party was involved. I called and gave them my authorization and was told that the case had been re-opened. It was not. 

I also resubmitted the case as I was told to do by the CFPB operator, claim # XXXX - this subsequent claim was closed as a duplicate. This is NOT a duplicate claim. I received NO ANSWER from US Bank as to why US Bank kept my money. 

US Bank is in possession of money that should have been immediately returned to me. I want it now. On XX/XX/2018 US Bank was negligent in accepting a {$78000.00} wire transfer to an account with a different name on it than the one specified in the wire transfer by the sender. On XX/XX/2018 I, the sender, alerted law enforcement to the crime. I sent a service request through XXXX XXXX XXXX to freeze the receiving US Bank account and get the {$78000.00} back as there was evidence of criminal activity. The account was immediately frozen. On XX/XX/2018, 5 days later according to US Bank 's own bank statement obtained from the receiving account owner and the investigating detective, there was {$48000.00} in the frozen account - please see the attached bank statement. On XX/XX/2018 US Bank returned only {$23000.00} to me, the victim of the crime. US Bank kept {$24000.00} of my, the victim 's, money. Where is the remaining {$24000.00} that was left in the receiving account at the time it was frozen? That money should be immediately returned to the sender who alerted US Bank to the crime, fraud and negligence. 
The recipient of the money informed law enforcement that he did not get any money back from US Bank after the money was frozen per my request.

US Bank illegally kept {$24000.00}.

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 2020-11-14
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: Account status incorrect

Complaint:
I have loan that was closed by XXXX XXXX  i was in XXXX  and this finance company 's collection agency filed fraudulent judgements saying they served me but i was XXXX  and no one in my family ever heard from XXXX XXXX  nor collections agency. I sent demand letter to XXXX XXXX collection agency demanding thia account to be removed because of fraud charges and they have removed judgement but exeter is still reporting negative If this account is not removed i will move forward to lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: U.S. BANCORP
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit inquires that were not authorized, dont recognize it XXXX XXXX  XX/XX/XXXX US Bancorp XX/XX/XXXX 2019

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 2018-06-29
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This School was shut down and never reopened due to staff signing -promissory notes and defrauding the students. I believe they are under investigation. I fell this is very unfair and i demand some relief with my student loans that were handled by this carless, stealing, staff!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked for validation of tis account, and received nothing, I notified the company of their infraction, and they failed to respond to that as well. They are reporting inaccurate and unverified data to the credit bureaus! They must delete this account immediatley as they have violated the FCRA and FDCPA!

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 2018-09-04
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hi XXXX XXXX purchased a charged off account - credit card ( XXXX max ) and have been harassing me for years to pay this at 3x the amount I ever owed. Asking XXXX pay off. I have tried to negotiate to no avail. I have asked for itemized billing but they send nothing. Please advise them to remove that debt from my credit report thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-05
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: Old information reappears or never goes away

Complaint:
Equifax needs to delete and block these fraudulent accounts immediately : 1.  XXXX /  XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX    3.  XXXX  Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX I opened a Nordstrom store account. My purse was stolen with all my personal information including account information from Nordstrom. Charges in the amount of {$280.00} were made at the Nordstrom without my consent nor knowledge. At this time charges were also made to my XXXX XXXX and XXXX XXXX. I filed fraud claims with Nordstrom in XX/XX/XXXX.. On XX/XX/XXXX I spoke with XXXX Nordstrom Fraud Investigator and was told that my claim was denied back in spring of XX/XX/XXXX. I never received any information stating that my claim was denied, in fact when I called Nordstrom a few days prior to speaking with XXXX I was told that my case was still opened. I am basically accused of making the charges due to the fact that the photo copy of my Drivers License is not current. I have always kept 2 Drivers License on hand in case one is ever lost or stolen. I did not make any charges on my Nordstrom account to be held responsible. Because of this Nordstrom is reporting negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
As I was reviewing my Experian report. I noticed some errors with my name and address. 

XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Social security Variations : XXXX and XXXX ( 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 non-monetary relief
Consumer complaint received 2018-06-21
Company: EQUIFAX, INC.
State: IL
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/or about XX/XX/XXXX I sent a certified dispute, to Equifax concerning the furnisher ( Court ) of information as to a Public Record relating to Bankruptcy-Chapter XXXX in their files maintained under my social security number. ( See Dispute letter attached dated XX/XX/XXXX ) Equifax responded to dispute with letter dated XX/XX/XXXX, stating The information you disputed has been verified. However, the information I disputed was name of court that furnished information, as per their entry in credit report file maintained under my social security number. ( see  attached results of Equifax reinvestigation and excerpt from XXXX XXXX Equifax credit report dated XX/XX/XXXX ) Prior to receiving Equifax result, claimant requested information from Court ( U.S. Bankruptcy Court XXXX XXXX of Illinois ). They unequivocally via letter dated XX/XX/XXXX state The bankruptcy court does not perform any activity with the credit bureaus. ( see letter attached Page-2 ) Last, but not least they have reported in their letter result of reinvestigation dated XX/XX/XXXX that they obtained the information concerning court bankruptcy from XXXX XXXX XXXX, another consumer reporting agency. ( see attached Equifax Report dated XX/XX/XXXX, page-3 ) Further, I place a security freeze on accounts with XXXX XX/XX/2018, They are not listed as the Furnisher of this court bankruptcy, under my social security number with Equifax, in the credit reports I receive from them. That is to say Equifax has erroneously listed U.S. Bankruptcy Court for The XXXX XXXX of Illinois as the Furnisher of this information. ( see attached security freeze letter from XXXX dated XX/XX/XXXX ) Wherefore, I am requesting deletion of these listings because the court did not report this information to them as mentioned above and any other listings under my social security number in credit report of which this entry is referred to as per the applicable Fair Credit Reporting Act, due process and equal protection of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
on XX/XX/XXXX Westlake financial issued a check in the amount of XXXX for account overpayment which i n never received or was every cashed. So i received from to fill out saying i never received or cashed. they received the form XX/XX/XXXX ever since then its been a battle to get them to cut me check for my money. I only have till XX/XX/XXXX for them to give it back or they submit my money to the CA Unclaimed Property Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Westlake Services, LLC
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Westlake Financial has repeatedly called using different numbers from their call center in an attempt to mirror local numbers ; some of which are similar to my children 's school numbers. This stops me from working so I can answer the phone to see if family in my area code are OK, only to have it be a collection call. Additionally, on this last call, they never told me it was an attempt to collect a debt, did not disclose who they were prior to asking me for verification information, and then told me they were going to intentionally notate my account incorrectly because the woman didn't like my answer to a question. When asked why the account was 20 days late, I stated I didn't know because my wife pays it and she told me she made payment. She said, I'll notate that as non-responsive. I attempted to clarify it with her, and was promptly disconnected ( non-aggressive on both ends ). When I called to talk to a supervisor and asked for my notations, they told me I can't have them and to have an attorney contact them, and they will forward it over to their legal department.

Company response to consumer: Closed with explanation