BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-26
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C Systems, INC is reporting a frivolous debt on my credit files in which I do not owe them. 

I have never in my life done any type of business with this company nor is there a contract that is binding me to this company. 

I have asked them to provide me with a copy of the legal contract with my wet ink signature and the wet ink signature of the company 's representative that shows that I entered into some type of business dealing with them but I was not provided that info. I have also asked them to delete this frivolous debt from my credit in which it still remains. 

I have never received any sum of money nor merchandise from this company so therefore I do not owe this company any money.

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 2023-08-07
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been working with Edfinancial since XX/XX/XXXX to submit a fraud request to the Department of Education for loans that were opened in my name as a result of identity theft. I emailed Edfinancial on XX/XX/XXXX at XXXX providing them with a police report as well as other documentation, they claimed the department of education will need 3 months to review documentation. 

I received a call earlier today XX/XX/XXXX from Edfinancial ( representative XXXX XXXX claiming that they denied the fraud packet because they could not read the police report, they claimed the whole page was black. Edfinancial previously stated that they submitted the fraud packet to the department of education. I am not sure if the document was submitted to the DoE since this is at least the second of third time that I have resubmitted documents over email that are clearly legible. 

I am attaching the police report here and would appreciate it if someone can confirm if the fraud packet was submitted as well as confirm why Edfinancial is negligently delaying this fraud investigation, if the documents were blacked out why didn't someone address this months ago?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute Fair Collections & Outsource Balance {$7800.00}, this is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 

Respectfully, 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 2023-08-07
Company: HSBC NORTH AMERICA HOLDINGS 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: Account information incorrect

Complaint:
On XX/XX/XXXX I make arrangements with XXXX XXXX XXXX XXXX pay $ {$650.00} for 3 months adding to the amount of {$1900.00} of the total Balance of {$3900.00} I had with HSBC Bank I make the first payment on XX/XX/XXXX. Went I called on XXXX to make the second payment they informed me the account was closed and needed to call HSBC. When I called HSBC they told me the same and for that reason they couldn't take my payment. 
After several months they sold my account again and reported me to the credit report and did not honored the arrangement I made legally in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX notified me that a dispute was processed on my credit account. 
I did not file a dispute and I can not get to a live person to correct this issue. 
I called 6 different numbers at XXXX and the automated answer machine does not understand and all i get is we can not process your request. 
There should be access to a live person for help. I can not get access to anyone who can help. 
I am sure the same information has been sent to the other credit bureaus and I need live contacts. XXXX, Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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: Information belongs to someone else

Complaint:
XXXX notified me that a dispute was processed on my credit account. 
I did not file a dispute and I can not get to a live person to correct this issue. 
I called 6 different numbers at XXXX and the automated answer machine does not understand and all i get is we can not process your request. 
There should be access to a live person for help. I can not get access to anyone who can help. 
I am sure the same information has been sent to the other credit bureaus and I need live contacts. Transunion, 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 2017-07-18
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Diversified Consultants, Inc. dated   XXXX    XXXX , 2017 stating they represent a   XXXX   XXXX   and that I owe their client {$45.00} on a very old  XXXX  former  XXXX  account. I had phone service through this company years ago by closed the account and switched to another provider. I feel that this debt is not valid and way past any reasonable collections period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: Spring Oaks Capital, LLC
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: Was not notified of investigation status or results

Complaint:
This account is reporting inaccurately & incorrectly on my report. I have the same account reporting as PAID with no balance and positively however they have reported a DUPLICATE account that is reporting with balance & charged off. This account is severely impacting my scores and needs to be removed as soon as possible. 

I have reached out to the bureaus & creditors MANY times but have reached no resolution. They are violating my rights under the FCRA. And definitely adding up to the burden of the COVID 19 pandemic to my life. I feel disheartened knowing that I have been trying to resolve this and get no resolution at all, Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions 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:
The following account listed on my Experian credit report is fraudulent and I never applied for the account : XXXX XXXX XXXX XXXX XXXX, {$170.00}. The following credit inquiries listed on my credit report is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX, XXXX, XX/XX/2020

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 2020-09-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed a claim with XXXX store for {$320.00} When they told me my card didnt work and a friend paid with his. Upon this occurring I had submitted a dispute for I was doubly charged for the merchandise. Chase representatives instructed me that I needed to submit proof of a receipt. One of the official chase claims specialists directly told me I could submit the proof via my secure message center via chase secure banking app. I cooperated and did so. Later finding out it was  actually not a viable method of delivery for such documents. Wether right or wrong I was instructed by an employee of chase this was alright keep in mind. After doing so I eventually noticed my funds were withdrew again from my account after being issued the provisional credit so I called to see what happened once again. They said I never submitted the proof. So I also mailed it in an envelope via usps. They  say they never received it. I told them that in a court of law theyd subpoena the files with the photos of the receipt. A chase executive assured me he would find them and get it taken care of. Today I get a call weeks later now three months since the original purchase and they tell me I didnt provide them proof and theyre refusing to locate the file from their database. Chase is directly violating my rights slandering my name by closing my account and putting it negative. Keeping me from making wages by holding my money and directly withholding me from seeing doctors and receiving medications I need to survive. I  want whats mine end of story they need to make right or a lawyer needs to reach out to me to represent me and take them down. Theyre 100 % in the wrong here. Ever calls recorded. They acknowledged and opened my claim based off the message I sent them with the attached photos of receipt. The pictures will be here for you to view.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: JPMORGAN CHASE & CO.
State: DC
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:
You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : BA creditor may not treat a payment on a credit file under an open-end consumer credit plan as late for any purpose Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Date : XX/XX/2018 Amount : {$2500.00} Actions : I transferred the money to my friend on the Bank of America mobile app. This transaction is through XXXX. My friend 's account is in the XXXX XXXX. The Bank of America mobile app requests me the name and the phone number of the opposite side person. I gave the information about my friend. But my friend didn't receive the money. 
What I tried to do : I asked Bank of America to refund the money. They told me they finish the transaction. They contacted the XXXX XXXX. XXXX XXXX said they received the money, and they can not refund the money. But the XXXX XXXX also said the name doesn't match, but the money still goes into the account along to the phone number. Bank of America said they transferred the money relies on the phone number, it doesnt care if the name that I gave is matched or not. But they did request me the name of the account, and XXXX XXXX said the name does NOT match, so they should NOT transfer the money. I also contacted the XXXX, they told me they can do nothing for it, and they encourage me to ask help for the Bank of America.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXXBalance Owed : {$720.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX BalanceOwed : {$220.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX Balance Owed : {$200.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XXXXXXXX Balance Owed : {$630.00} ; XXXXXXXX XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$310.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Charged way to much with what the car is worth. And all the problems I have had with this car. They will not correct the issues at hand or let me out off the loan.

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 2023-06-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I feel well fargo owe me money due to the amount on the online banking never match the amount I have in my account and it always show the wrong amount which me to have a over withdrawals fee

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 2023-04-21
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:
The is information that's on my consumer report consumer report that is identity theft, according to 15 U.S. Code 1681b - Permissible purposes of consumer reports, my written instruction is the only way these items were to appear on my consumer report, and I gave no instruction at all.Theres no way you can say goods or anything was received as a result because again using someone's identifiable information to extend and good, credit or services is identity theft according to the law. 15 U.S. Code 1681b - Permissible purposes of consumer reports Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; I here by truthfully say that the information is not information relating to any transaction by me. 

SEE ATTACHMENT for identity theft for XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
My wife and I bought a number of Western Union Money Orders at several different retailers including XXXX XXXX and XXXX in XXXX XXXX, SC between XX/XX/XXXX and XX/XX/XXXX. We paid for them with our debit cards. We received the money orders and receipts for payment. We deposited them via mobile deposit into two separate bank accounts. Several days later they started getting returned with the message stop payment or altered/fictious. Western Union told us that the store had put a stop payment on the money order. When we called the store they said they did not, and didnt think they had the ability to do that. 
While weve had over 40 money orders returned unpaid, here is a very specific example : On XX/XX/XXXX, we purchased {$2900.00} of money orders from XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, SC. We were given five {$500.00} money orders and a {$490.00} money order. The {$490.00} money order was deposited online and then returned by the bank. We called Western Union and provided the money order number and amount. They told us that {$490.00} was the incorrect amount. We asked if it was {$500.00} and they said yes. We told them we were looking at the money order and it clearly was for {$490.00}. They said we needed to go back to the store to get it straightened out. We spoke to XXXX, a customer service manager, and XXXX, the regional manager at XXXX XXXX in XXXX XXXX. XXXX ran the Western Union report and all of the money orders and amounts lined up correctly. Weve contacted Western Union call center customer service multiple times. All theyve been able to tell us is go back to the store and we cant help you, go back to the store. 
I believe that a technical glitch, possibly with the Western Union positive pay file to their bank, is causing this issue. I need to speak to someone who can get to the bottom of this issue. Customer Service at Western Union is not equipped to handle this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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: Problem with personal statement of dispute

Complaint:
XXXX has been paid for my XXXX card balance. I have mailed a check per their request and they have cashed it on XX/XX/23. They refuse to update the account to the creditors and still reflect this balance. I have called them over 20 times. No one answers because their automated system will only recognize open accounts. Their chat agents refuse to help. Routing me to the same numbers. This has been preventing me from buying my first home.

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 2023-02-26
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Im a victim of identity theft and my accounts cleaned out the person got arrested but Wells Fargo still havent given me my money back Im single parent of six and I work but I dont have money to just allow people to sell it from me. I have all of the documents to support my claim and they DONT CARE ABOUT THEIR CUSTOMERS

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 2020-07-23
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-09-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company keeps calling even when I have ask several times to stop calling. calling different times in the day multiple times a day. There response is that they will keep calling me and they don't care what I do.

Company response to consumer: Closed with non-monetary relief