BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-05
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX I sent certified mail XXXX to LexisNexis Consumer Center it was received on XX/XX/2018. Below is a copy of what I sent, LexisNexis has failed to respond or comply. 
To Whom It May Concern : Be advised this is a notice to inform that your public records information is disputed based upon inaccurate information, and validation is requested. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) ( i ) ( ii ), Responsibilities of furnishers of information to consumer reporting agencies. I have the right to request validation of the public records information. I am requesting proof that I am indeed the party listed in public records. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 U.S. Code 1681i, ( a ) ( 1 ) ( A ), Procedure in case of disputed accuracy. And the FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) I respectfully request that your offices provide me with competent evidence that public records information is accurate.

Pursuant to the FCRA, Section 611, Paragraph ( 6 ) ( B ) ( iii ), Please provide the following : The name of the courthouse The address of the courthouse The person 's name the dispute was verified with at the courthouse The person 's telephone number the dispute was verified with at the courthouse The documentation used to verify the dispute with  the court The case or reference number The date this dispute was originally validated and verified with the court, BEFORE being furnished to the Credit Bureaus. 
Pursuant to FCRA, section 611 ( a ) ( 6 ) ( 7 ) you have 15 days to provide the requested proof. If you can not provide all of the request proof you must PERMANENTLY DELETE the information from your records pursuant to Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. " Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. '' XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Fed. XXXX ; and XXXX v. XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX. 
Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been using my Wells Fargo credit card to pay my email service provider monthly {$5.00} charge throught automatic bill pay enrollment through this company, XXXX for the past 5-10 years. Last month I was contacted by XXXX that Wells Fargo company had sent them a letter of payment denial ( $ XXXX   monthly fee ) and has charged their credit account {$45.00} fee for fraud. I called Wells Fargo costumer service and discussed with them I have never requested them about fradulant charges by that company. They told me they want their money for investigating that charge. I contacted their executive office asking them to reimburse me for the {$45.00} they had charged XXXX. I just git a letter of denial stating " We are committed to protecting the security of our costumer 's accounts and periodically need to take certain actions to detect and prevent fraud. '' In other words, I, the card holder am stuck with the {$45.00} penalty fee they charged my email service provider, wrongfully penslized by Wells Fargo credit card company. Just think for a moment, if such unethical ways of creating source of reveniew implemented by Wells Fargo, go without legal bindings by this company how many more costumers are going to be subject to their predatory actions.

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 2019-08-30
Company: EQUIFAX, INC.
State: UT
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:
Back in 2013, my purse was stolen containing all of my personal belongings. It was from this moment on that I have had items appear on my credit report. I ignored these for the most part out of ignorance. However, these have grown to become a big problem on my personal life. I have been combating fraudulent accounts on my credit report for months now, and for the most part, these have come off. 
However, I still have BK and an account that refuses to come off of my Equifax report. I have called Equifax multiple times to let the know that these are not mine. I have talked to the creditors. I have submitted documentation over and over ; And these are YET to come off! 

Please submit this complaint to Equifax and XXXX ( EQ has stated they are getting their info from XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 the fraudulent wire transfer was made on my account for {$5000.00} on Wells Fargo checking account. I filed a complain immediately with my bank to cancel the transfer and reverse the amount. They told me to wait for 10 business days to get my money back from bank. But after 10 business days they said that they the case is closed and they weren't able to reverse the amount. Although when I signed the contract with Wells Fargo while opening my account it was clearly stated that I won't be responsible for any fraudulent charges. Also when I filed the complain about the unauthorised wire transfer, the banker at that time told me I'll get the refund back within 10 business days. Since I am not responsible for unauthorised charges I want them to refund my {$5000.00} back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018 american medical collection agency called at XXXXXXXX XXXX I called them back at XXXXXXXX XXXX discussed account stated my spouse would be calling to pay the debt. I was told by the man on the phone ( didn't get his name because he kept talking so fast couldn't understand and was currently at work ) that my account would be put in a protected status for 7 days for my spouse to have time to pay. second call from the same company came at XXXXXXXX XXXX about the SAME acct. when my spouse called to pay as I stated she would she questioned their business practices as she also works in collections and knows that I had already addressed the payment so why was there a SECOND call in the SAME day. They said I hadn't auth her to speak to them EVEN though I stated she would be calling and they didn't ask for any further information. She asked to speak to a supervisor who then stated the same thing no auth to speak to her because what she wanted to speak about was the TWO calls in the same day on the SAME matter. I have a copy of the call log if needed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have an account in collections that was fraudulently created. 

XXXX XXXX XXXX - XX/XX/2017 - {$75.00}

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 2018-09-05
Company: Ray Klein, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft and I have accounts in collections that are bringing down my credit and not allowing me to qualify for credit cards or home/auto loans.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
after using my wells fargo credit card, with no missing payments since XX/XX/2011. i am shook at the fact that it never got its graduation to a non money backup credit card. Now because of them placing a what they call a usual verification on a {$10000.00} check from my retirement account. i wasnt able to make a payment and after explaining this to wells fargo as the reason for getting off cycle. they claimed my account was closed, by me saying it was apart of the agreement to the securely back credit line. I wasnt the one asking to close this account, but wells fargo is seeing to mark in my report that i was. Also making 2 of my payment as 30-60 days late while showing the account as closed. im upset at the fact that i got this account to help with my credit while believing in the fact it wouldve gotten a graduation to a insecure 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
Consumer complaint received 2021-04-27
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX we received a notice from our county treasurer that our second half taxes had not been paid in the amount of {$3600.00}. Taxes are paid twice a year by our mortgage company, PHH, through our escrow account. We notified PHH, they recognized the issue and paid our taxes as well as the interest and penalty assessment. In XX/XX/XXXX, we received our escrow statement indicating that there was a negative balance. Upon review, of their document, it clearly indicated that they had disbursed funds from the escrow account twice for the amount of the tax due. After numerous phone calls over many months, PHH finally recognized the error and added the funds back to our escrow account. We received a letter informing us of this on XX/XX/XXXX. Our loan was purchased by XXXX, in XX/XX/XXXX. Our initial payment statement from XXXX showed a delinquent amount of {$3600.00}. We have repeatedly tried to get resolution of this matter with XXXX. XXXX has told us that this is a problem with PHH and that we need to work it out with them. Upon contacting PHH, we have found them to be unresponsive, although we have made repeated attempts over 5 months. However, we did receive a document ( attached ) indicating the disbursement of the taxes twice in XXXX, that the funds were advanced back to escrow XX/XX/XXXX, but a fee was assessed of {$3600.00} that they are unable to waive. We are attaching 2 copies of escrow statements from PHH, one from XX/XX/XXXX and one from XX/XX/XXXX, that appear to differ as well. Also, attached is our mortgage statement showing this item as delinquent and default related charges. Enclosed are documents to support the commentary above. Additional documents are available upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This compliant is against Experian and XXXX XXXX  XXXX ( XXXX ) XXXX is reporting 5 accounts on my Experian account that I have no knowledge of. I have contacted both companies and neither company has provide me with the information to identify the outstanding balance and that the account are mines. Experian has continues to ignore my request. They stated off by saying my letters looked suspicious, I called and let them know that I wanted the account disputed. Now they are telling me they would not re-investigate without proof. How can I prove an item is not mines. What prove will I have. This doesn't make any sense to me. If they say the account have been verified, how was it verified. What information was provided. I have requested documentation from XXXX and all they provide was a list of the accounts. 

XXXX and XXXX has remove the account because XXXX didn't verify the account but Experian is claiming the account were verified. 

I feel that Experian feels I am working with a credit report company and is not taking my request serious. i have researched and know my rights.

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 2018-09-05
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: Personal information incorrect

Complaint:
i filed disputes with experian indicating i only have one address and gave them the correct address however they still list several variations that need to be deleted.

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: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX - I opened a savings account and a checking account wit

h Citi online. About a week later - Citi e-mailed me to ask for more personal info, including utility bills, credit card bills, phone bills, etc.
On XX/XX/XXXX - I faxed the documents back to Citi.

On XX/XX/XXXX - I received the new Citi debit card in the mail and activated the online access. I could see my new Citi savings account and checking account online. Later on the same day, I asked Citi online rep how I could meet the requirement for the opening account bonus by the deadline. She said I could wire the money in ( {$15000.00} ) from a different bank on the next day.

On XX/XX/XXXX - I followed Citi rep 's advice and wired {$15000.00} from my XXXX XXXX to new Citi savings account. Later on the same day, I realized I suddenly lost my Citi online access. So I called Citi, and the Citi rep told me the accounts were indeed approved yet they'd just closed my new accounts ( without a good explanation ).

On XX/XX/XXXX - I found out my XXXX XXXX  got the wire money reversed ( rejected by Citi due to closed accounts ) but only {$14000.00} was returned by Citi. I called both XXXX and Citi. XXXX rep confirmed that Citi took away {$40.00} when returning the fund. However, Citi rep didn't admit that they took away {$40.00} or find a way to explain why my new accounts suddenly got closed.

I searched online and found out that Citi indeed charged {$15.00} for incoming wire and {$25.00} for outgoing wire, so I'm suspecting that's how {$40.00} was lost : https : //online.citi.comXXXX XXXX I'm not at fault since I basically just followed Citi 's instruction yet they closed the account and took {$40.00} for rejecting my wire transfer. I hope that CFPB can help me resolve this issue with Citi.

The conversation with Citi rep on XX/XX/XXXX is attached.

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 2022-01-05
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/19 I was contacted by a friend I had not spoken to in years, ( the friends identity was spoofed ) who said I heard about the death in your family and Im sorry about your loss but have you heard about the XXXX Grant Program, Through that communication I was defrauded in withdrawing {$14000.00} from BOA credit card payable to XXXX , XXXX, I checked it out on line it looked harmless I also mentioned to the clerk why I was making the withdrawal the teller also checked it online and said it looked fine. I was instructed to deposit it into acct # XXXX. Upon notifying the fraudster about the deposit he requested additional money which finally made me realize that I was defrauded. I reported it immediately to my local bank who issued a uniform identification agreement to BOA on my behalf.. I reported it to the Attorney General Office, spoke to a local detective as well as filed a fraud claim with BOA, whose final letter claimed that they determine that no fraud occurred. I know that banks are insured against these type of incidents but a widow and retired elderly person have no way to recoup Im sad this happened to me and I hope it doesnt happen to anyone else. Thank you

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 2018-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing in regards to a mortgage payment that was reported as 30 days or more late on my credit report. The payment was due on XX/XX/XXXX. The payment was made online, during regular business hours, on XX/XX/XXXX. However, the payment was reported as more than 30 days late on my credit report, which is negatively affecting my credit report. I attempted to contact XXXX XXXX XXXX by phone to discuss this situation and was told that I have to put my concern in writing. I emailed my concern to the email address provided on XX/XX/XXXX ; with no response. Is it legal for this company to incorrectly report the payment date?

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 2018-04-03
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The vehicle was involved in an accident and, declared a Total Loss. the insurance co paid the loan off in XX/XX/2017. However, the lender has failed to properly report the loan Paid and, instead has reported the account Open and, delinquent. I have filed disputes with the Credit bureau but, the lender refuses to update my Credit report. I have documentation obtained from the lender including payoff letter and, payment history. Lastly the lender refuses to provide a payoff letter with the correct payoff date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXXXXXX XXXX credit card. I have fallen on hard times do to XXXX XXXX XXXX. XXXXXXXX XXXX actually breached my information by calling and harrassing a girl I work with who's name is literally 1 letter different than mine. Obviously our dates of birth were different. I am extremely upset over this situation and the collectors are very rude and are harrassing my mom as well as calling from 15 different phone numbers several times daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: GMA Investments, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received several call from Summit Receivables. They tell me this is my final notice before they submit my file for pre-legal action or statements of a similar nature. I have explained many times that the dates they said I received a loan and the amounts do not match and I asked for verification. They repeatedly tell me I already have that information and do not acknowledge my request. They tell me there are additional fees and interest that have been added to the debt but refuse to tell me how much and who is charging it. I keep asking for more information and they ignore me completely or say to contact the original creditor XXXX  myself. I have tried that several times but have difficulty getting through. I want a broken down invoice stating what I owe and why. They have never sent that to me. I have had this removed from my credit report before. Please have them stop contacting me if they do not intend to verify the debt that has already been removed from my credit history. They call me from XXXX.

Company response to consumer: Untimely response
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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving it through the Equifax credit bureau on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and directly with the company on XX/XX/XXXX with providing a Police Report and an notarized Affidavit. The item still remains on my credit report.

Company response to consumer: Closed with explanation