BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-11
Company: EQUIFAX, 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:
XX/XX/2019, I mailed a letter to the United States Bankruptcy Court Middle District of Florida and requested then procedure for verifying records with the credit reporting agencies. I received a letter dated XX/XX/2019 from the Bankruptcy Court stating, The Bankruptcy Court has no jurisdiction over credit reporting agencies. The Fair Credit Reporting Act, 6 U.S.C. paragraph 605, is the law that controls credit-reporting agencies. You may contact the Federal Trade Commission, Bureau of Consumer Protection ... .. 
The Bankruptcy Court records are public records ; therefore, the court does not report any filings to the credit reporting agencies. Subsequently, I forwarded the letter from the Bankruptcy Court on XX/XX/2019 to Equifax Inc., XXXX  and XXXX. I requested that they re-investigate the Bankruptcy that they were reporting on my credit file. Letter read, please validate this information with United States Bankruptcy Court Middle District of Florida and provide me with copies of any documentation associated with this record. In the absence of being able to verify this record, I formally request this information be deleted from my credit file you maintain under my Social Security number. The response I received from Equifax, dated XX/XX/2019, stating the Results of Our Reinvestigation, public records Equifax obtained is from local, state and federal courts through a third party vendor, XXXX. I find Equifax explanation for reinvestigating with the Bankruptcy Court lacking honesty, accuracy and fairness, especially since I placed a freeze with XXXX on XX/XX/2019. Additionally, I placed a freeze with XXXX, XXXX and XXXX, all for profit information-selling businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to open a checking account and it would not let me because of the security freeze. Please remove it so the check system will allow me to open up the account. I have provided a copy of my driver 's license and social security to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being billed for an ambulance bill from XXXX XXXX XXXX through Wakefield and Associates Collection Agency. I contacted my insurance company, XXXX, before it was even sent to collections and they informed me that it was covered and that it was illegal for them to be billing me. XXXX contacted XXXX and I thought it was all taken care of, but now I am getting calls from Wakefield stating that I have a debt of XXXX dollars or so to pay. I contacted my insurance company again after the debt collection calls and they informed me once again that I do not have to pay it, I met my deductible and out of pocket. I received an eob again and directly sent it over to Wakefield and Associates. I received a call from XXXX again today informing me that I had to pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am an infrequent user of Paypal but have had an account for many years. This year I find that I am unable to just call with a billing question and reach a person. I am directed to a " Chat '' where no one can answer my questions because it is a phone robot. I twice requested that an agent call me but no one did. When I tried to follow their instructions to file a formal complaint about their customer service, I was again directed not to a complaint form but the remote and useless " Chat ''. I can only conclude that there is no one home at Paypal!!!! I do not like the push to accept all their cookies. 

Can you help or direct me to someone who can? 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX/XXXX/XXXX I sent a letter to Experian requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The response was removal of a collection with XXXX, XXXX and XXXX XXXX staying on my report despit no verification. 

On XXXX/XXXX/XXXX I sent a letter to Experian requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The result was XXXX XXXX staying on my report despite no verification or communication to me. 

On XXXX/XXXX/XXXX I sent a letter to Experian requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me and Im anticipating the results. 

All correspondence on my part were sent certified mail so I know that they were received but this account with XXXX XXXX has yet to be proven to belong to me but wont leave my 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 non-monetary relief
Consumer complaint received 2019-07-11
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My insurance company raised my rates based on the CLUE report provided by Lexis Nexis. I requested a full report and received it in XX/XX/XXXX. I sent an online dispute, disputed 2 erroneous errors on my report : Consumer Number XXXX Reference Number XXXX 1. XXXX Claim on XX/XX/XXXX. This claim is completely false. We have never had PA XXXX XXXX XXXX XXXX, and have never made a claim on this vehicle. 
2. XXXX Claim on XX/XX/XXXX. This claim is completely false. We have never had XXXX XXXX XXXX XXXX XXXX, and have never made a claim on this vehicle. 

XXXX XXXX then sent a letter saying that they verified these claims were true, but did not provide any method of how they validated it. I sent another dispute on XX/XX/XXXX requested validation information, mainly, the contact information of XXXX  XXXX XXXX XXXX XXXX, and the method of verification. It was not provided, and to date, I have not received a response. This is a violation of my rights as a consumer, per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: FC HoldCo LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize my credit to be pulled by this company

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 2021-08-18
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:
I am a vicitim of identity theft I have contacted EQUIFAX multiple times supplying them with a certified NOTARIZED police report from the XXXX Texas Police Department. I have also contacted the FEDERAL TRADE COMISSION submitting a FTC identity theft affadavit concerning the Fraudulent acitvity that needs to be deleted from credit report. I have contacted the furnishers ( XXXX XXXX XXXX XXXX ) / ( XXXX XXXX XXXX ) to notify them by law that the accounts opened under my personal information were all done without my permission and needs to be immediately deleted. 


1. XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$110.00} 2. XXXX {$350.00} opened XXXX XXXX original creditor : XXXX XXXX XXXX 3. XXXX {$180.00} opened XX/XX/XXXX original XXXX XXXX XXXX XXXX FRAUDULENT INQUIRY XXXX / XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I certified mailed Bank of America a Qualified Written Request ( QWR ) referencing an unlawful unjustifiable lien on my property XXXX XXXX XXXX, XXXX, PA XXXX. Pursuant to 12 U.S. Code 2605 ( e ) ( 1 ) ( a ) and Reg. X Section 3500.21 ( e ) ( 1 ) Bank of America violated this law due to no response to me ( the consumer ) within 20 business days and never followed up addressing my QWR to  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 2018-01-24
Company: Experian Information Solutions Inc.
State: NY
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2019-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On or about XX/XX/2019, my wife was involved in an elaborate scam that requested she purchase gift cards for the XXXX XXXX and Walmart to catch a " credit card '' scammer. The XXXX logo and website were a part of all the e-mails she received as well as an " XXXX '' representative when she called. The representative said that " if she purchased gift cards they would be able to track the person trying to " Steal Money '' from my wife and others. The XXXX Representative said the money would be refunded at the end of the day. 

My XXXX XXXX card company called me ( wife and I are on the same account ) and I denied the charges. My wife then called Capital One and XXXX XXXX XXXX ( 2 other credit cards ) immediately after I told her it had to be a scam. She then filed a police report with the XXXX, CT police department of which we have a copy. XXXX XXXX and XXXX XXXX XXXX have taken the charges off of our respective bills. 

Capital One is reapplying the charge of {$1500.00} this month to our bill. This is after two divisions of their company have investigated the charge. Their claim is that they have " no rights '' regarding the charge. Their claim is that she said she made the charge ( hoping to protect herself and others from a scam artist ) .. My understanding from them is that if she had said she didn't make the charge ( lied ) it would have been declared fraudulent and all would be resolved. 

After the company said they were reapplying the charge and that I could not speak with a company representative higher than who I was speaking with, I called the XXXX police department and the officer who created the report graciously called the credit card company and spoke with someone in the law enforcement division who was unhelpful. He wrote an addendum to his original report which my wife and I also have. I can supply all the different claim numbers and even the credentials of the last representative that I spoke with regarding the {$1500.00} charge. {$1500.00} is a lot of money and the claim can truly not be investigated as the XXXX XXXX store that the {$1500.00} gift card was supposed to be taken from did not exist ( it was the " scammer '' ). We can not afford to pay {$1500.00} that we did not receive anything for. 

The fraud/scam was reported immediately to both the credit card company and the police. I would like to resolve this without taking any legal action. Would CFPB be able to help resolve this issue with Capital One?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-26
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:
I disputed with the credit companies and they failed to delete all mis- reporting ; unproven mis spellimgs of my name and address I have provided government documentation that proves my true identity. My state laws and FTC laws states that if the reporting information is not true, complete and perfect it must be deleted, I wish not to take any other names or abbreviation of my government name,

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 2020-12-23
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX and XXXX sent me a letter today claiming their attorneys would be looking into my case of an unpaid medical bill of {$570.00}. I called my hospital and they say this bill has never existed, nor does my insurance have any knowledge of this bill. The law office claims to be mailing me an itemized bill from the hospital, yet the hospital has no knowledge of this bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt does not belong to anyone in this household. I assume it is connected to this phone number because we have had the number for less than a year. This company called Convergent calls multiple times a day and doesn't listen when we tell them they have the wrong number.

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 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2021-12-01
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Have received a Vanilla Visa gift card. There is a fraudulent charge on the card at XXXX, on XXXX/XXXX/21 for {$63.00}. I never made this charge. There is no way to contact Vanila as they intentionally make it impossible to get a live representative. They are openly breaching VISA merchant protocol and are violating my rights. Their practices are dishonest and undoubtedly many people have suffered from similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Ocwen Financial Corporation
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:
Around XX/XX/XXXX I notified Ocwen Mortgage of my divorce to XXXX XXXX XXXX and sent them a copy of my divorce decree and special warranty deed. Both documents show I am no longer responsible for any part of the mortgage of the property located at XXXX XXXX XXXX XXXX, Texas XXXX. XX/XX/XXXX I received a release of liability statement from the Department of Veterans Affairs and faxed that as well. I also faxed all above mentioned documents to all three credit bureaus. The mortgage was removed from all three bureaus around that time. Sometime in XXXX the Ocwen Mortgage reappeared on my XXXX  credit report. I found this error only last week unfortunately. I contacted equifax and filed a dispute. XXXX responded with Ocwen said it was a factual debt. I have fought with Ocwen over this mortgage and all the XXXX day lates and I am tired of dealing with something that feels unwinnable. At this time this is the only thing hurting my credit my FICO score would not be in the low 700 's because of a XXXX XXXX  credit score because of fraudulent reporting. This is no longer a mistake it's fraud when it is taken of then put back on and the reporting company has the information knowing it shouldn't be there!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have had my mortgage with Wells Fargo since XX/XX/XXXX. I have paid my mortgage with bill pay since inception. As of my XX/XX/XXXX payment in XX/XX/XXXX,  Wells Fargo began charging me a late late fees because they claimed I did n't pay my XX/XX/XXXX payment. 

I received a phone call for the first time on this matter on XX/XX/XXXX from a collector who claimed I am past due and owe over {$400.00} in late fees. 

Upon inspection of my payment history, I was able to prove that they posted 2 payments from XXXX XXXX on my account in XX/XX/XXXX. One on XX/XX/XXXX and one on XX/XX/XXXX.  They then claimed that the applied the 2nd payment as a principal only payment because it was the 2nd payment I made that month and it was before XX/XX/XXXX. 

I then proved that this same situation occurred in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and yet they did n't apply those payments a principal only. 

They then told me that I had to wait 24-48 hour that someone would acknowledge that they have opened a case for me. They made no commitment as to when the issue would be resolved even though they agreed I proved I made all my payments. 

They did agree to put a hold on all collection calls while they fix the issue. I now have to wait 24 to 48 hours for someone to call me back and then tell me how long it will take them after that call to finish researching and fixing my issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-11
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2019 Equifax received my dispute letter in reference to numerous medical accounts that show on my report. My letter was quite specific when I asked for " documents '' or the 'Method '' used to verify these so called debts. I received a notice back just stating " Verified '' with no information on how it was verified. No documents, no method, no name of system of verification. 
Firstly, I am allowed under the Health Insurance Accountability Act to protect my privacy and medical records and did not give any permission for my records to be reported. Secondly, " verification '' is confirmation of correctness, truth or authenticity by affidavit, oath or deposition. Equifax must be able to produce documentation that that this debt belongs to me and yet they have not provided as such. 
Under the FCRA consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. 
I am requesting Equifax delete these accounts they are reporting as they can not produce verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/X/17 - Tried to get free credit report from TransUnion but ended up signing up for a monthly service. Cancelled the service immediately but they were still going to charge me {$19.00} for the 2 minutes I had the account!. Called and they said they would reimburse the cost. This was classic bait and switch and should not be allowed. Especially by a company that is the keeper of your 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