BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: Source Receivables Management LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I opened a new account with XXXX purchasing a new XXXX and XXXX. I decided I did not want the service soon after the purchase so I went back into the same store and returned both devices the next day. I was told by the sales rep that I had 14 days to return the devices and cancel service. Recently I was checking my credit reports for accuracy and I realized I have a collections account with Source Receivables for {$1200.00}, the exact amount for both devices. I contacted Source Receivables to try and figure out why I was being charged for devices I returned and they told me I needed to provide them with a receipt showing I returned the devices and the account would be deleted from my credit report. I emailed the receipt to the company on XX/XX/XXXX. On XX/XX/XXXX I received an email stating I was credited for {$780.00} instead of the full amount. I again contacted Source Receivables to try and figure out what was going on and the rep told me " you will not receive the full amount when you return items ''. I asked her several questions regarding why and she was unable to answer anything. I was told to contact XXXX. I called XXXX and they were unable to give any information because I was unable to remember a PIN number on an account I had for 1 day!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I wrote a check ( # XXXX ) on XX/XX/2020 to what I thought was my moving company that I had a legally binding contract with, however it was a contractor that they illegally sold my move to. When they picked up my belongings they illegally increased the pricing and I did not sign a bill of lading and have proof they altered the document to make it appear as if I did. I only provided the check on XX/XX/2020 because the mover in my house made threats indicating he was trained by a boxer who is now in prison with a XXXX conviction, but did not sign the bill of lading because I did not agree. When I wrote the check I wrote " XXXX '' in the Pay to the Order Of because of was panicked and saw that word at the top of the Interstate Bill of Lading form. Wells Fargo allowed a customer to deposit that check, despite the fact that it wasn't written to any company or organization involved in this move and certainly not the correct name to be deposited in the individuals account. I am missing over {$800.00} in belongings and the company I contracted with did not deliver a good or service. I called Wells Fargo and they told me there is nothing they can do about depositing an inaccurate check into someone's account, which explains why this organization has been able to run their fraud scheme for so long. 


Company I contracted with : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Principal address XXXX XXXX XXXX XXXX  XXXX XXXX, GA, XXXX XXXX  # XXXX Who communicated with me about the scheduled driver arrival : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Principal Address XXXX XXXX XXXX XXXX XXXX, IL XXXX, DOT # XXXX XXXX XXXX XXXX XXXX, IL XXXX Who picked up my belongings : XXXX XXXX on behalf of XXXX XXXX XXXX who operates under multiple XXXX 's ( XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX ) but not of these XXXX 's have a legal DOT # Where my belongings were stored : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Principal Address XXXX XXXX XXXX XXXX XXXX, IL XXXX, DOT # XXXX XXXX XXXX XXXX XXXX, IL XXXX Who delivered my belongings : XXXX ( subcontractor of XXXX XXXX XXXX ) and this is when over {$800.00} was missing or broken This organization operates illegally and scams consumers out of money because they have them trapped needing to move that day. I simply asked Wells Fargo to look into how they allowed a deposit to occur when the " Pay to the Order Of '' was clearly incorrect and they are largely not concerned and again a main reason that these individuals are able to get away with their 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 2020-10-25
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: Information belongs to someone else

Complaint:
XX/XX/2020 U.S.P.S. Tracking # XXXX Experian To Whom It May Concern : Please be advised in my previous letter to you, dated XX/XX/2020, I provided sufficient information to you requesting you to block the reported information under the provisions of FCRA 605B, and it was NOT a dispute under the provisions of FCRA 611.

Please be advised that Experian, at this time and pursuant to section 605B ( c ) of the Fair Credit Reporting Act, is not blocking the information subject to the submitted Identity Theft Report and/or Police report provided to you as part of my dispute.

Your lack of immediate response clearly violates my rights according to 605B. 
I reiterate my requirement from the XX/XX/2020 letter and demand that you take appropriate action to immediately block this information from my credit report. 
Transunion has deleted the reported information, and blocked the reporting of these from my current report. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Agencies must block identity-theft-related information. FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumers identity, a copy of an identity theft report, the consumers identification of the fraudulent information, and the consumers statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and XXXXurnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ) 15 U.S.C. 1681c-2 ( a ). 
Since you have failed to comply with FCRA requirements by not blocking thisinformation within 4 days from the letter date to you, I have filed this complaint with the CFPB for your failure to comply with FACTA regulations. 
The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend to turn this matter over to an attorney for review and possible legal action.

I appreciate your prompt attention to this matter Sincere regards, 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 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern, I was looking at my XXXX XXXX, There a few inaccurate things on my credit report that I never authorized or gave anyone the authority to run my credit. Some of these things never even came off after the 2 years so I'll add them also. All should be deleted from my credit report XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The first 3 I never gave anyone authority to run my credit so I believe that to be fraud. 

The other 2 I was told by both companies should be off 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 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The XXXX  security breach affected millions of consumers including myself you may view information about this breach here : XXXX XXXX  XXXX Section 609 of the Fair Credit Reporting Act states that only fair, accurate accounts should be reported to any consumers credit file. I have contacted your company over 60 days ago and asked for you to either validate this account or remove it from my credit file, the fair credit reporting act states that your company has 30 days to respond, you have not done so which is illegal. The account you have listed on my credit file, is a result of identity theft, I am aware of my rights as a consumer, and I understand the current laws as the fair credit reporting act states. I ask as stated by law for you to remove the fraudulent account from my credit file. I have asked for proof that this account belong to me, which I have not received at all. I am demanding that you remove this account from my credit reports at once, it is absurd that your company has placed this account on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. If you refuse to remove this incorrect information from my credit file, I will move forward and file a motion in small claims court against your company. I am currently working with a lawyer who will assist me in making sure a judge in my area understands that your company is breaking the law by continuing to report this false information to my credit file. You may contact my lawyers here : XXXX XXXX XXXX I have kept all documentation of each correspondence, and I am prepared to fight for my rights to have a fair and accurate credit file. It has been 60 days since I have requested removal and debt validation, I have yet to receive. I am demanding this information be removed in 1 business day, as I plan to file a motion in court. Please remove this fraudulent account from my credit file.

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 2020-10-25
Company: Square Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a online account with square and also a debit card.Somebody was using my debit card and I Immediate reported as fraud. I contact Square by phone multiple times on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and each time They are telling me that I'll get the money back and somebody will contact me in 2 days, but nobody did.Last time I spoke with XXXX manager at square and she was able to give me some of the money back {$3900.00} But they are still holding {$7200.00} with no explanation and no reason Or when I will get the money back They keep saying that somebody will call me in two days and it's under investigation. They are scamming me!! and therefore I'm asking the CFPB to step in and take admittedly action against Square.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
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:
There are several items reporting on my credit file that do not belong to me. These items are reporting on my credit report as a result of identity theft. Please assist me in getting these items removed from my credit file : XXXX XXXX XXXX FKA XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX, Incorrect Names : XXXX, Now XXXX, XXXX, XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX ( 2  Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX  XXXX  XXXX and XXXX  XXXX  XXXX  for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2020 I will have sent my now third letter to this company without the instructed results. The information on my credit report is inaccurate and in-accordance with the FCRA everything on a consumer report must be accurate. Because of theses inaccuracies in has restricted me from obtain new credit and establishing new relationships which have has caused me stress and innocence.

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 2020-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage loan with Bank of America on XX/XX/2020. 
( 1 ) Three weeks later, they are still holding {$4100.00} in my escrow account. I am unable to find out when they plan to return my {$4100.00} to me.

( 2 ) Bank of America has been taking unknown fees from my escrow account for a year without notifying me or telling me what they are for. I am unable to contact anyone to request an escrow account reconciliation and get an explanation for all those fees.

( 3 ) I have not yet received a payoff reconciliation statement from Bank of America. I am unable to find out when they plan to send this to me.

( 4 ) Bank of America apparently closed access to my online account as soon as my loan paid off on XX/XX/XXXX. I am therefore unable to access a complete 2020 transaction statement for my paid off mortgage and unable to find out how to do so. 
( 5 ) I have sat on hold on Bank of America 's " customer service '' line for 72 minutes on one day and 64 minutes on another day, and then been disconnected without being able to speak to anyone.

( 6 ) There appears to be no other way to contact Bank of America except by a phone number that they do not answer.

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 2017-12-11
Company: WELLS FARGO & COMPANY
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:
wells Fargo wont conclude that someone else has been withdrawing the same amount of money from my bank account at a gasoline station from an ATM.and its been the same amount every time XXXX dollars always. that is fraud and they concluded it was n't when i dont withdraw from regular atms and they took out XXXX dollars out and leaving me on negative. and now that i got my loan they took it out and wont gibe me it back too many problems its fraud and they wont do anything about 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 explanation
Consumer complaint received 2022-03-03
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A debt was placed on my credit report damaging my credit score in the amt of {$110.00} when I nvr opened an account on XX/XX/21. I never recd communication regarding this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have made several attempts with proof to show that my Mortgage payments for XX/XX/2019, XX/XX/2019 and XX/XX/2019 were made on time for my Bank of America Mortgage, account last four numbers ending with 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 2020-10-25
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
EOS CCA  collection agency reported an account to my credit on XX/XX/2020 for {$180.00}. I have never done business with this company and this account has affected my credit report significantly. I also never received a dunning letter or any other type of notification from this company. 

I request for this account to be removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: CITIBANK, N.A.
State: CA
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:
Follow up with COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 citi card told you and I that they will resolve by XX/XX/2020. 
However they did not contact me or resolve that. 
That is not first time that citi play games with me about the issue.,

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 2020-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7100.00}, {$13000.00}, {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account.

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