BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: FlexShopper, Inc
State: MS
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
XX/XX/ RE : Discrepancy and Billing Issues with Flexshopper - Urgent Resolution Required Dear Flexshopper and XXXXXXXX XXXX in XXXX, XXXX XXXX XXXX I am writing to address a concerning issue I have encountered regarding my recent transactions with Flexshopper. I have reached out to your customer service on numerous occasions, both through phone calls and emails, with no satisfactory resolution. The handling of this situation has left me deeply dissatisfied and frustrated. 
Upon reviewing my bill, I noticed a significant discrepancy. I have attached the invoice from XXXX XXXX in XXXX, Mississippi, dated XX/XX/2023, which clearly shows my purchase with an Invoice Total of {$330.00}. However, Flexshopper 's records indicate a significantly higher amount, which is both inaccurate and unacceptable. 

Furthermore, my credit has been checked three times for a single bill, which has negatively impacted my credit report. This was caused by an erroneous charge on XX/XX/2023, when I did not receive any service due to the unavailability of the tires at the XXXX, Mississippi XXXX location of XXXX XXXX  These issues have caused severe inconvenience and distress. 

I have made multiple visits to XXXX XXXX in an attempt to rectify this situation, which should not have been necessary in the first place. I believe that this discrepancy, coupled with the impact on my credit, reflects poorly on the professionalism and integrity of your company. 

I have attached my lease agreement with Flexshopper innpurchasinf tires with XXXXXXXX XXXX XXXXXXXX # : XXXX, as evidence of the actual transaction. 

I am determined to settle this bill promptly, but I refuse to pay the incorrect amount of {$670.00}. Additionally, I intend to dispute these inaccuracies with all relevant credit bureaus. 

It is imperative that this matter is handled promptly and efficiently, as it is evident that some individuals within your company are not fulfilling their responsibilities. 

I request an urgent resolution to this issue, and I hope that this letter will serve as a catalyst for addressing these discrepancies and restoring my faith in your services. 

Sincerely, Email : XXXX Phone : ( XXXX ) XXXX [ Attachments : Invoice from XXXX XXXX  ] CC 'd : * Corporate Office * XXXX XXXX XXXX XXXX XXXX * XXXX, NY XXXX * Customer Service : ( XXXX ) XXXX * XXXX * XXXX * XXXX * XXXX * XXXX * XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mountain Land Collections ( MLC ) continues to try to collect debt from me for expenses I did not incur. Instead it was incurred by my ex-wife who is required to consult with me and notify me of appointments, which she does not do. Furthermore, I have legal decision making authority in the orders because of her XXXX XXXX. I have sent the orders to MLC and XXXX. I can not make a decision if she doesn't consult with me. It is not my debt. 

MLC has a XXXX  consent form in their files that I signed in XXXX. However, this is under the assumption that I incurred it or authorized the treatment since it says " I understand that charges for services provided shall be paid for at the time of each visit, '' which I can not follow if I don't even know about the appointment. 

Furthermore, and more importantly, I have since told XXXX multiple times that they are not authorized to treat my children without my consent, and this supersedes this consent form because of common sense and because the form literally says, " This authorization is in effect until I revoke it in writing, '' which I have done. But XXXX has been treating my children anyway, which is malpractice and worthy of suing, particularly for XXXXXXXX XXXX when hospitals are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX. And MLC continues to attempt to collect debt from me from a moot form, ignoring my case that this is not my debt, which is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect personal information on 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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to XXXX requesting that they correct this mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigate XXXX for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be adjusted are as follows : XXXX XXXX XXXXXXXX XXXX Date Opened:XXXX Balance : XXXX XXXX-Late/Open Late Date XXXXXXXX XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : $ XXXXLat/Closed Late Dates XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX continues to report inaccurate data onto my credit report with Equifax and XXXX. See attached screenshots of my credit report, XXXX XXXX has not validated this collection and they continue to not report the first delinquency data to Equifax and XXXX and Equifax and XXXX continues to not report the first delinquency date and ignores my disputes regarding this issue that is clearly causing my Credit score to drop. I am in fear this company XXXX XXXX XXXX and Equifax both by not investigating this has caused my credit score to suffer grave damages for years. This is for account XXXX <<<< This complaint was made regarding two separate accounts listed by account number. This is not. A duplicate or repeat complaint this is a new complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Movement Mortgage LLC
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
This company starts the process over every 30 days if they believe you do not have all required documentation to them, even when you are actively working on providing them documentation or if youve already provided it to them and they may have missed placed it and you have to provide it again then they will restart your application. Today I called the bank to check on the status of the application because they reviewed documents on XXXX  that I submitted on XXXX XXXX The response I I received from the first representative was that they sent me an updated letter in my email and mail requesting more documentation. However, I did not receive an email or anything in the mail. And the representative said if I didnt provide everything by the XXXX they were closing out my case again. The next representative I spoke to said they never sent me a letter and they needed everything by the XXXX or they were closing out my case again. So if I havent been harassing them they wouldve closed out my case again because they never notified me that they review the documents and told me what they needed. Its completely unprofessional to behave in this manner. Further, they are asking for documentation that does not exist. My spouse is XXXX XXXX in the military, and they are asking for documentation from the military that does not exist. Also, they are asking for dates on a fraud wire agreement to be added that make absolutely no sense at all. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they want me to have everyone date this agreement when its already dated with their electronic signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I signed a rental agreement for property on this listing - https : XXXX Upon executing the document and sending the deposit the rental agent XXXX XXXX stopped taking my calls and emails to this address XXXX also to XXXX - Two transactions from Wells Fargo XXXX through XXXX to XXXX were sent, one for {$2500.00} and one for {$1300.00}. 

The payments were through two bank accounts with Wells Fargo Bank

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 2019-04-22
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Meade & Associates placed an outstanding medical debt of {$860.00} that belonged to my deceased mother in my name and under my social security number a year after she died. I have called them multiple times and talked with XXXX XXXX, collector, and XXXX XXXX, manager. 

I have also sent them documentation showing this debt belonged to my mother, including copies of the bills sent to her, in her name, and at her home address, as well as her death certificate. 

On XX/XX/2019, XXXX XXXX represented to me he would resolve this issue with the manager for erroneous collections. However, rather than resolve this issue, this debt collector placed this collection back on my credit report in XX/XX/2019 after I disputed it with the credit reporting agencies. 

Meade & Associates are claiming that I was my mother 's fiduciary and this makes me liable for her debt. They are basing this claim on a document I signed for my mother and in my mother 's name and at my mother 's request while she was in the hospital. 

I had to sign several such documents for my mother during the course of her illness as her next-of-kin, and this is the only collection that has been filed against me on such a basis after her death. 

I did not furnish the original creditor with my social security number, date of birth, or mailing address. In addition, the original creditor did not send the bills in my name or to me. 

I believe Meade & Associates located my personal information and used it in order to wrongfully collect a debt and wrongfully report the debt as mine to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MN
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 personal information, per the Equifax website portal to check, was obtained without my consent by criminals who illegally breached that data in possession of Equifax. I have filed a credit fraud alert for 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OR
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:
I have never and do not authorize Equifax to collect or keep any personal information about me. Any information that has been collected, stored, or distributed about me, by Equifax, is entirely against my will. Equifax, through their negligence, has released information about me to malicious actors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: NC
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:
The company reporting late. But the company sent two checks from the bank. I wasn't about to setup direct immediately, therefore the bank had to send our a check. When the checks returned it cause the account to be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. The following status is Incorrect and unverifiable XXXX Account Number : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 7. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 9. The followng information is incorect XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this 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 non-monetary relief
Consumer complaint received 2022-09-09
Company: CITIBANK, N.A.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/22, I purchased a washer and dryer set from Costco. I made the purchase online using my credit card. I am attaching the purchase for reference. 

On XX/XX/22, I went to Costco to make a purchase and was told that there was a hold on my account. After a lengthy discussion with managers I was told that there was an issue with payment on my previous purchase. I was told that they had already sent this order to collections. I informed Costco that I had received no notification on this so this was all news to me. I then spoke to the Store manager of the XXXX, KY Costco ( XXXX XXXX ). I emailed XXXX at XXXX the copy of my receipt. 

I've asked numerous times over email for someone from Costco to call me and have not received a call.

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 2022-09-09
Company: EQUIFAX, INC.
State: MO
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 am appalled by the lack of responsibility on the Credit Bureaus ' behalf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? Discontinue the stall tactics and please delete the disputed accounts reporting erroneously on my Credit Report. Upon further review of my Credit File, I immediately noted the following : a ) Charge Off account continue to report on my Credit File still indicating a balance, for all I know, Charge Off accounts report XXXX balance ; and b ) the accounts reported are already deleted from the other Credit Bureau, making me wonder why is it too difficult for the other Credit Bureaus to do the same? Under the Fair Credit Reporting Act, I am submitting this CFPB Complaint requesting that the Credit Bureaus must remove the disputed items completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: EQUIFAX, INC.
State: MN
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EdFinancial Services
State: DE
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 recently graduated from XXXX schooling in XX/XX/XXXX and my correct deferment date should be XX/XX/XXXX. I originally reached out to EDFinancial Services on XX/XX/XXXX through email, to address that my deferment date was incorrect. I received no response or email back. I then placed 2 calls on XX/XX/XXXX and received a callback later that day. Unfortunately I missed the call and placed myself on the callback list again on XX/XX/XXXX but never received a callback. I called today XX/XX/XXXX at XXXX and talked to a representative around XXXX pm. I explained to her that I recently graduated in XX/XX/XXXX and my correct deferment date should be XX/XX/XXXX like my other loans. The representative disagreed and claimed that I was below half-time in XX/XX/XXXX. This information is false and upon further investigation my enrollment records state that I was in fact full-time during the XXXX school year. The representative claimed that there was nothing they could do and I would have to pay the loan this month. I have already uploaded my enrollment verification, but the representative asked me to email the records to them and believe that the service provider is behaving fraudulently.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am disappointed by the action taken by the Credit Reporting Agencies and chose to not delete all the disputed fraudulent items from my Credit Report. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that resulted due to identity theft. I previously asked the Credit Bureaus for them to provide me copies of proof of verification but until now, the Credit Bureaus have sent me nothing. If the Credit Bureaus can not prove that the disputed items belong under my name, I need the Disputed fraudulent accounts to be deleted as soon as possible. I am submitting this CFPB complaint as a reminder to the Credit Bureaus that a consumer is trying to correct his Credit File from the negligence and indifference of the Credit Reporting Agencies. Under the FCRA section 605b, I need the following items be completely deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} XXXX XX/XX/XXXX XXXX XXXX A XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation