BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-26
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:
XXXX credit card is not mine it is identity theft XXXX dollars XXXX XXXX XXXX identity theft for unknown amount and XXXX XXXX it was opened by fraud ive spoke to all 3 agency and they refuse to help so I want those 3 item off my credit report I have no knowledge of them and they refuse to help and these companies have no proof I opened anything in an otr driver please help 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 2021-06-29
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX and Palm Beach Credit Adjustor will not remove a reported medical collection as they are double reporting and the reported debt collector " Palm Beach Credit Adjustors '' does not own or have the collection authority to report, as it is owned by Focus Financial services who already has removed their reporting from XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: NAVY FEDERAL CREDIT UNION
State: HI
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:
XXXX XXXX NAVY FCU XXXX NAVY FCU XXXX NAVY FCU XXXX NAVY FCU XXXX This is a list of companies that are on my credit that are reporting on my credit that are not mine. I am having issues getting these accounts removed. It is severely hindering me from living the life I deserve. I am willing to pursue this in a court of law if this isnt resolved in a timely matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2018- I sent {$500.00} through XXXX XXXX to a seller as a required deposit to reserve our puppy. I received receipt from XXXX XXXX as well as a receipt from seller via email. 
after numerous excuses from seller as to why I could not come for puppy, I felt uneasy and felt as though I was getting scammed. 
XX/XX/2018- I called my bank to inform them I believed I was getting scammed and to please cancel the transaction, although the bank said it was too late and that I needed to contact XXXX XXXX because there was nothing my bank could do for me. I then proceeded to contact XXXX, with no turn of luck. They too could not do anything for me. 
Finally after confronting seller that I felt uneasy about her, she offered to return my deposit back to me on XX/XX/2018. That day went by and still no money was returned. When I asked about it, she told me that it would be sent around XXXX that evening. When XXXX came and went, I then asked her again which she then decided to tell me that the money was in another bank account and that the funds would not be available until XXXX on XX/XX/2018. 
XXXX on XX/XX/2018 came and went as well and when asked about it again she the had yet another excuse as to why she has not sent my money back. 
It is now XXXX on XX/XX/2018 and I have still yet to receive any money and still getting excuses as to why. 
I have contacted local law enforcement to report this and still no luck. I am at a loss on what to do to get my money 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 2021-02-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 1. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a federal government consolidated student loan, and work at a 501 ( c ) 3 job. In 2007, and for a few years I checked in with my lender and links provided to ensure I was on track for Public Student Loan Forgiveness. I was assured that I was on track and that it was too soon to apply. I later found out that although the loan should have qualified, it now didn't and I'd have to re-fiance and start over. I have over 10 years of payments, and I can't just start a new 10 year clock. The lender and the government pulled a bait and switch scam on us. Fix this, allow me to apply and forgive the loan as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Credit bureaus are reporting a bankruptcy, Ive asked how it was verified since the courts do not release that information, what documents have they reviewed, and what are the means they took to verify me. I also would like to l ow who was certified to report this from the creditors and credit betrays, if this information has not been provided, which it has not, this should be removed from my credit profile, its a violation on the fair credit reporting act to publish unverified information. The only agency that can acknowledge a bankruptcy with full details is the courts and Ill be happy to reach out to ask if you were sent certified documentation verifying this 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 2020-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX my employer reached out to me to inform me that a debt collection attempt was being made through wage garnishment. When I contacted the company attorneys, the company being Capitol One I was told that there was credit card debt in my name and social security number going back to XXXX, 19 years ago. Apparently I judgement was issued against me in XXXX, the company alleges that they have been trying to make outreach, however the remainder of the information they have on file does not belong to me including the address where this outreach has been made. I disputed this with the attorneys who now want me to make a fraud charge complaint for a credit card that was open under my name when I was XXXX years of age. I'm XXXX now and I'm asked to provide information from 19 years ago. With Covid, and because of my medical vulnerabilities I'm not comfortable spending time at a police precinct trying to make fraud report, when I have absolutely no information on who could have or would have used my information in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
PNC Bank limits consumer choices by not allowing accounts to be linked with other XXXX apps such as XXXX. This limits consumer choice and is an uncompetitive action

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I appealed to and disputed a number of fraudulent accounts to the major credit reporting agencies that stemmed from a security breach where I became a victim of identity theft. I disputed the accounts toward the legal grounds of FCRA section 605.b, yet to no avail. I have received no response from any of the aforementioned in regards to this matter.

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 2020-09-08
Company: EQUIFAX, INC.
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:
Hello, I have written and submitted 4 rounds of certified mail letters to the credit bureaus to provide me with original contracts with my signatures on the disputed items and they said verified but have asked for proof and they can not provide me with proof. Below is the last written certified letter that we n't to the said credit bureaus. 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide XXXX XXXX XXXX   XXXX XXXX XXXX Unverified Account XXXX XXXX   XXXX Unverified Account XXXX XXXX   XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: LA
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:
On Monday, XX/XX/2020, I, XXXX XXXX, received an alert that my credit score decreased 95 points. I immediately called XXXX XXXX at XXXX to report that I don't have a mortgage with them. I was instructed to call their subsidiary XXXX XXXX at XXXX. The representative # XXXX was advised that the information does not belong to me, the information is incorrect, and the information has adversely affected my credit. She asked for my demographic information and stated that the address I had given did not match their records. I advised that I had given her the only addresses that I have ever resided and she rudely stated that I should refer to my original paperwork. As if I don't know my own address! 

I requested to speak with a supervisor, a member of the legal team, or someone in the fraud department. The agent continued to speak down to me as if I were attempting to access someone else 's information. Despite my telling her that the adverse information was recently fraudulently reported ; and, that I have no mortgages with them she insisted that she could not give me any information because the information did not match her records. As an informal resolution, I asked to speak to a supervisor thinking that they would resolve the matter in good faith. Upon further review of the company online, I noticed that they have a history of violating FCRA rules and reporting erroneous information. The account reported has an opening date from 23 years ago! Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: First Data Corporation
State: IN
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 complaint is against First Data the card processor. I have a merchant account with First Data for probably 20 years. Haven't had issues all this time except in the last two years. I had two charge backs and they were handled very poorly. The last one was in XX/XX/2019. A client disputed a charge but then realized they made a mistake. When they called their bank which was XXXX XXXX, the agent said they cant reverse the amount they credited their account. First data requested evidence that the charges were correct and I faxed specifically what they requested. I waited and called to see if they received the fax and they confirmed they received the three pages I sent to them. They said it will take seven to ten business days to make a decision. I called after 10 days and the outsourced agent was very aggressive informing me that I havent provided the information and the case was closed. I tried to reason with him but he yelled at me and hung up. I was trembling for at least 10 minutes from the humiliation and the injustice I suffered. First Data did not handle my dispute fairly. The client provided a credit card to charge the amount they received and we got back the charge for the service we provided. The procedure that First data followed and the agent behavior are not acceptable. This time the client was honest and acknowledged she made a mistake but what is going to happen if we had more charge backs? Are we going to hope for more honest people or for the company we have been with all this time to treat disputes justly so we get paid for the services we provide?

I appreciate your attention to this complaint. 

regards, XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I RECEIVED DEBT COLLECTION LETTER FROM JEFFERSON CAPITAL SYSTEMS, THE LETTER WAS AN OFFER TO PUT THE COLLECTION AMOUNT ONTO A NEW CREDIT CARD, WHICH WOULD FORGIVE A PORTION OF THE DEBT. WAS REALLY CONFUSING. I WROTE JEFFERSON A LETTER REQUESTING VALIDATION, NEVER RECEIVED A RESPONSE. I RECEIVED ANOTHER LETTER TO PUT COLLECTION AMOUNT ONTO A CREDIT CARD, AGAIN WAS CONFUSED ATTEMTPED TO VALIDATE DEBT VIA A MAILED LETTER. NO RESPONSE AGAIN. 

XX/XX/XXXX FIRST LETTER RECEIVED XX/XX/XXXX SECOND LETTER RECEIVED XX/XX/XXXX 1ST VALIDATION LETTER MAILED XX/XX/XXXX XXXX VALIDATION LETTER MAILED NO RESPONSE NO OTHER COMMUNICATIONS RECEIVED XX/XX/XXXX MY WIFE WAS HANDED A SUMMONS FOR ME FOR THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 {$0.00}, {$3200.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -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
Consumer complaint received 2020-05-23
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/XXXX my payroll distribution put {$1100.00} in my Navy Federal Credit Union account. The bank automatically transferred the money to three delinquent credit card that is a part of my bankruptcy filing. I notified NFCU in XXXX of the bankruptcy and provided them with my attorney 's information. I contacted Navy Federal in XXXX to see if I would be about to us my accounts again and was told the savings account was active, but I was not longer eligible for checking account. 

My husband is now unemployed due to the COVID 19 crisis, and has yet to receive unemployment benefits. So I wanted to preserve our money in another account since the stimulus payment went into our checking account. Afraid to got in a bank or use an ATM, I adjusted my payroll to direct deposit the money to saving for hardship. With all of the waivers on interest and debt due to this crisis the bank should have notified me that this would happen before they took my money. Especially since they are aware of the pending bankruptcy. 

I'm not sure of my recourse to receive some or all of my money back, but there should be prohibited at this time. I work in billing and buy law I can not charge interest, penalties, tax liens etc at this time. Any assistance would be greatly appreciated. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CL Holdings LLC
State: UT
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:
Jefferson Capital Systems is reporting a debt on my file that I do not owe. I recently took a look at my file and noticed this debt is still reporting. This debt is past the statute of limitations in the state of Utah and past the credit reporting limit. I ask that they please remove the account from my file or I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this debt.

Company response to consumer: Closed with explanation