BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and opened up fraudulent accounts in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY!

Company response to consumer: In progress
Consumer complaint received 2018-08-17
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've tried to get it resolved, I never even open up a XXXX account in XX/XX/2010. So, when I reached out to the collection agency for validation, they sent me bills and said this is the verification. I told them that it is incorrect that, I never had a phone account just only prepaid with XXXX XXXX at the time. I was asking for validation to see a verifiable, validation of proof as in Consumer Contract with a wet-ink Signature on it, of the account listed above, Ive also explain to them how it goes against fcra. This wouldn't be the first time that, my identity was stolen.

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 2023-12-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 
As per the FDCPA, I have the right to request a verification and validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 
Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 

2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 

3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
With regards, Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you for your time, XXXX XXXX This Credit bureau is in violation of not reporting in 30 days, i want everything negative on my credit report which are account i included above to be removed immediately,

Company response to consumer: In progress
Consumer complaint received 2019-08-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
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:
Hello,

This fraud took place between XX/XX/18to XX/XX/18.

The amounts total approx XXXX.

I filed a police report as per the bank's request.

Spoke with over 10 Citizens Bank reps over the phone, never get the same rep. Never received any reply from Citizens Bank.

I also sent the police report to the corporate office in XXXX, RI. And hand-delivered to the XXXX RI branch where the account was opened.

Please read below on how I arrived at filing a complaint with your firm.

What other resources do I have when my bank won't refund my money on a fraud case?

Had an ex-employee steal my business debit card and in the approx amount of  $19k  and he ran to Florida. 

My employee was working in my company while I was XXXX  for a violation in Rhode Island. He was NOT in charge of the bank account and had no concent to use my personal business account. 

I wrote a statement with the State Troopers and I feel because of my record they are not vigorously investigating my case. Then, went to my bank. 

Last I knew all victims have equal rights! 

Anyways, I have been back and forth with Citizens Bank in Rhode Island and even tho I have extenuating circumstance ( XXXX  ) and have all my paperwork showing I was XXXX XXXX during the time of this fraud they are now using the excuse I was over 60 days on reporting this fraud. 

I guess its a rule the bank has, fraud must be reported within 60 days. I never even knew about the fraud until I was XXXX My real question is, what can I do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I previously sent XXXX three dispute letters letting them know I was a victim of identity theft and to also remove the bankruptcy that was on my credit report that XXXX and XXXX have already removed from my credit reports. As a result of me being a victim of identity theft, I placed a security freeze on all three of my credit reports and also XXXX so I completely don't know how TransUnion is verifying that this account is accurate and it belongs to me because I also have a copy of the fraudulent identification card that's attached to that bankruptcy address that I never lived at.

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 2019-08-19
Company: Remitly, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Service provider: https://remitly.comService initiation Date : XX/XX/2019 Service Request: Transfer money to international accountPromised Delivery time: Immediately or within Hours  I have placed an international transfer with the remitly.com on XX/XX/2019, they have taken money form US bank account , but did not credited to international account till date XX/XX/2019.I have contracted more than 7 times to  customer service both email and Phone support, I haven't received any response in the email , but during phone support each time there will be a representative talking to me  and giving me different answers such as , money got sent to wrong account we are still investigating and we cannot give you when we will complete investigation and sometimes they promise me to call back but no followup after that.After all the conversation what I infer is either they are planing a scam holding my money hostage or something very bad happened  in their system that routed my money to wrong account.I have all the investigative and supporting  documents for my claim above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
all started with receiving a call from tax office for non paid XXXX  taxes. then the insurance got canceled for non payment. first my mortgage company denied the credits they received from previous lender after proving them they said they would solve it still taxes and insurance not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act DEPT OF EDXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have made attempts to communicate with the debt collectors but they can never answer my questions or concerns about the account. I'm already making payments and this is the second time they have attempted to sue me after setting up pay ment arrangements an currently making payments on time. The person who served court papers left documents on front porch. When attempting to contact them they would not answer questions just kept saying I was contacting wrong department. When they call to collectors call they would let it ring once an hang up.One account is 15 years old.the reason for default on account was due to COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: OneMain Finance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have mailed and offered a settlement offer to the company to let them know I am experiencing financial hardship and am no longer able to afford the monthly payments. They have responded in writing indicating that they have received a request to stop contacting by mail or phone, which is not what the letter says, and to fax over the preferred communication. I faxed over my preferred communication style with a note indicating for them to mail financial hardship options and have yet to receive any. Given the nature of my employment, I am not able to communicate via telephone, hence, the writing communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Company keeps playing games they sent me an email about a letter and statement about XXXX in the XXXX asking me to login and read it, guess what my account still locked

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
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: Investigation took more than 30 days

Complaint:
I asked for a copy of the agreement or contract that has my signature on it that authorizes the bank to collect this debt. Under the FDCPA I have the right to have my alleged debt validated. They did not provide me with that information and it has been over 45 days or more. This Debt is not mine and should be removed from my credit.

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 2021-04-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried unsuccessfully to get XXXX dba XXXX XXXX to fix inaccurate information off of my credit reports regarding a former mortgage that I had. I have also gone to each of the credit bureaus to get information corrected without any success. This includes XXXX XXXX and Equifax. 

My former mortgage with this company shows that my account is actively 120 to 150 days late and in a derogatory status. I am being denied student loans because of this matter. Home was sold in XXXX and of XXXX in a short sale due to divorce. My credit shows account is in a delinquent and derogatory status and is currently at least 120 days past due. 

I contacted credit bureaus and XXXX many times now. XXXX provided me with a copy of the mortgage release when property which was located at XXXX XXXX XXXX XXXX XXXX MD XXXX under loan number XXXX. I have sent to bureaus to demonstrate there is no current outstanding balance, it is not in a current derogatory state and no money is owed any longer. Home sold and home transferred to new homeowners at that time. The other issue with XXXX XXXXXXXX is that I even had an offer for a higher sales amount to sell home in XXXX and it was denied. Home didnt sell for many months past that and another offer came in lower and was accepted. Meanwhile, the home sat and continued to negatively affect my credit in the process. I guess that is why there is a class action law suit against this company for repeated violations from foreclosures and short sales. 

Anyhow, I did manage to have XXXX report corrected in XX/XX/XXXX. But, it has since recently changed again to a derogatory status and currently late 120 days. I have tried to contact bureau and have been unsuccessful in getting this corrected. All parties involved are not fixing this issue. I cant even make any more requests to the bureau because they are verifying the accuracy as correct due to information verification received from XXXX XXXX. 

This is a blatant violation at multiple levels and clearly violating my rights under the Fair Credit Reporting Act. Neither the credit bureaus not XXXX XXXX are correcting the data. Data gets periodically updated with wrong information, account keeps getting re-aged and doesnt reflect the accuracy of this former account. 

I am requesting help because I am not sure what else can be done on my part. I need the bureaus and XXXX assistance in helping to resolve this matter. I have called, emailed and done everything humanly possible without success. This account needs to updated to reflect accurate information immediately or be deleted from my credit report. There has been ample time to resolve this. 

I can not get a student loan for my daughter because of a currently delinquent status and incorrect reports being made. Very wrong and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: HCFS Healthcare Financial Services of TeamHealth
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:
there is no need for verification. mu first complaint asked for validation not verification, please send me validation actual proof with my wet ink signature Please see attached identity theft affidavit. Last and final warning to delete and remove said items from my credit reports.

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 2021-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My ca XXXX  card was frauded by a unknown person I called bank of america XXXX card services and made a report someone accessed my card while I was in XXXX and I told them I was willing to press charges on individuals response able the next day my card was frozen and claim stopped the bank said ca XXXX had done it I contacted the ca XXXX  and they said that they had nothing to do with it and once funds were deposited to the card they weren't responsible for them. While I was in rehab someone got my card a withdrew XXXX dollars XXXX of dollars. At a time and the bank never even froze the account or waived it supicious activity they allowed XXXX to be takin out over days and did nothing when I got out of XXXX I reported to the bank and summited a claim On XX/XX/2020 claim number # XXXX the say that they needed ca XXXX to fax them some.form ca XXXX said they didn't.know what bank of america were talking about I can get no answers from them they won't talk to me in the claim department. Final the said I had to fill a form out and send it to CA XXXX I did that on XX/XX/2020 and haven't heard anything the havent contacted me or anything when i call they give me the run around saying their waiting on ca XXXX and I contact ca edd They tell me they have nothing to do with it and reffure me back to bank of america they have camera at the banks and they can see it.wasmt me taking money from the card and I can prove I was in rehab they won't call me they won't let me speak to a manager and my claim isn't being processed they are doing this to myself millions.of people I have been diagnosed with a XXXX XXXX  my doctor give me a XXXX % chance of living another XXXX  months and i am homeless because of this please help me with this tell me how.to get answers or to fix it I don't want to XXXX on the streets

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 2018-02-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am XXXX XXXX woman who became very ill with a long term illness and had lost my husband. I had a XXXX XXXX. I have applied several times for a modification. The lender after many attempts finally acknowledged that I submitted a full package.. How ever the lender did not tell me about my denial until approximately two weeks later by their attorney. Please note that my initial mortgage was a pick a payment mortgage.

The lender says that they will not give me an modification because their desktop appraisal is too high. Prior to this they told me I was not getting a modification because I defaulted on a previous one. Ironically, they did not ask for an interior appraisal which would have resulted in a much less valuation.. I believe that no matter what I say or provide them they will not modify my loan. All I keep hearing is sell or refinance somewhere else. 
I believe that these actions are discriminatory because of my medical condition and race. I have seen others get streamline modifications without even applying for a modification.

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 2020-07-31
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX. My account number is XXXX. Last four of my SS # is XXXX. I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM XXXX XXXX  NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b ) considering I have never received any means of a billing statement. I have been in the hospital with COVID for a while and recently was released and can now address this matter. I Demand XXXX XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XXXX XXXX, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!

Company response to consumer: Closed with explanation