BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-30
Company: CAB Receivables, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to XXXX XXXX XXXX on a few occasions. For some reason they always appear to bill an old insurance company and not the one I provide them at check-in. 

Long story short my insurance company paid their bill in full. None the less I have continued to be called and harassed by other companies seeking payment for XXXX XXXX XXXX. Each time I provide proof of payment but they continue to call or send me letters. 
Credit Adjustment Bureau and XXXX XXXX. 

XXXX  my insurance company paid the bill and provided proof. 

This company has proof that I paid but for some reason they have not communicated well to their collection arms. Their practices need to be reviewed.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$4900.00}, {$6300.00}, {$7800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Transfinancial Companies, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are fraudulent accounts by this company that were opened in my name as the result of identity theft, I reported this to the XXXX PD onXXXX after I reviewed my free annual credit report and saw the accounts on my file. I filed a report case # XXXX with XXXX XXXX XXXX on XXXX regarding this theft and use of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to this company on several occasions. They failed to provide validation of this debt. Sending me a copy of a bill or account summary does not validate a debt. I specifically asked them to send me the contract bearing my signature and they failed to do that. Therefore, they are not validating this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
A XXXX card was opened in my name in XXXX without my permission.The card was eventually closed and charged off due to my identity theft affidavit. 4 years later they are still showing inaccurate information. According to Transunion, the account was charged off in XXXX of XXXX. XXXX shows that that card was charged off in XXXX of XXXX. Upon receiving requested statements, I noticed that they still have the account open after an alleged charge off. After the charge-off, XXXX is now showing that I have been allegedly making payment after the charge off and the account was re-opened. I have attached a copy of the statements from XXXX starting from XXXX showing that a payment was made in XXXX of XXXX when on Transunion it says the account was charged off XXXX of that same year. Each of the XXXX Credit reporting agencies listed are reporting completely different information which are both inaccurate. This has hindered me in many ways moving forward in my life due to this irresponsible reporting. I am looking to move forward without this hinderance.

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 2021-07-02
Company: AFNI INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations not mine see the Ftc : Afni AFNI Reported balance {$1400.00} Check if I should dispute Dismiss this action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez ( a debt collector and who handles my mortgage payments ) received two payments on XX/XX/XXXX ( from a closed bank account - I will call XXXX XXXX for {$1100.00} and one on XX/XX/XXXX ( from a new bank account - I will call Bank B XXXX also for {$1100.00}. This was 2 weeks early for a XX/XX/XXXX due date. XXXX account was closed and had a XXXX balance, so the money came back as NSF by NewRez ( which is a XXXX error for not properly closing my account on XX/XX/XXXX in person, as I requested ). XXXX then accidently requested back {$1100.00} from XXXX. XXXX sent the money to XXXX that I had sent to them from Bank B. XXXX now shows a balance of {$1100.00} ( again which should have been closed with a XXXX balance ). 

NewRez knows which financial intuition they are receiving money from. If XXXX requested monies, they can not send monies from Bank B to XXXX. This is fraudulent. 

This has caused a snowball effect or errors, having no monies now for my XXXX payment to NewRez ( from Bank B ). They then applied {$1100.00} XXXX payment ( from Bank B ) to XXXX, {$1100.00} XXXX payment ( from Bank B ) to XXXX. I finally caught it in late XXXX. XXXX has admitted they made several mistakes and a letter stating their mistakes was submitted to Newrez on XX/XX/XXXX. 

I submitted to NewRez several copies of XXXX statements, a XXXX letter, Bank B statement, and an email stating all facts to NewRez. 

I have been to XXXX to correct issues in person and made more than six phone calls to discuss this situation. 

I asked that NewRez reverse all improper late fees and NSF fees that total {$100.00}. I also ask them to reverse the late payment/missed payment that was sent to all credit agencies. This XX/XX/XXXX payment was actually several weeks early ( paid on XX/XX/XXXX ), not late. They have not excepted any responsibility for fraudulently transferring my money to an account it didn't come from. A proper fine should be applied for an improper handling and fraudulent transfer of funds. 

I ask that XXXX also pay me some type of restitution for the hours and hours of work and time I have invested in a problem that was fraudulent and avoidable on their part. They need to cover the NSF fees and late fees that were accessed by NewRez. 
They also need to contact all credit bureaus to ensure this does not effect my credit with any credit reporting agency with improper late payments and missed payments. 

NewRez refuses to reverse any improper charges. And they refused to correct a " late '' payment ( s ) that was reported to all credit agencies. 

XXXX is waiting for NewRez to fix everything. They also have said they cannnot even call NewRez due to privacy laws.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of XXXX I sent the offices of Suttell & Hammer ( XXXX XXXX   XXXX XXXX, WA XXXX ) a letter requesting the validation of an alleged debt from XXXX XXXX. On XX/XX/XXXX I received solely billing statements as a response. In my original request for debt validation I requested a total of 14 different pieces of information including the original signed application and agreement. In my original letter I stated the following. 

" Your claim can not and will not be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. '' Billing statements alone do not provide sufficient evidence needed to validate a debt. 

On XX/XX/XXXX I was notified by a housemate that a process server had come by in an attempt to serve me papers for a lawsuit. I then called Suttell & Hammer and inquired as to why they would move forward with legal action without properly completing the debt validation process. The dropped the suit the same day that I called them. 

On XX/XX/XXXX, almost seven months later, I received another envelope from Suttell & Hammer with the same billing statements as well as an affidavit of plaintiff. The Affidavit in no way provided any evidence that this debt belonged to me and stated only that the Affiant had alleged " personal knowledge '' about the record keeping practices at the original bank in which the debt allegedly originated from. 

I believe that it is an unfair practice to not only wait almost seven months to respond to a debt validation request, but it is also an unfair practice to use intimidation tactics such as lawsuits and affidavits as a way of collecting on a debt that can not be validated sufficiently. 

I would like to ask Suttell & Hammers collection practices be investigated and I would also like to request that if they can not provide the adequate documents to verify this debt, that they discharge it at once. 

Attorneys cited on Affidavit include the following XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: VA
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 reached out several times on XX/XX/21 and XX/XX/21 and XX/XX/21. I've summited all required documents to them. and I get sent from one department to the other and nothing gets accomplished dealing with credit companies as a consumer is a wasted of people hard earned time. they need better knowledge teams working there. I have wrong information reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On Thursday XX/XX/2018 I requested an Employment Data Report from TheWorkNumber online. I received and read the report which includes all of my employment data sent to The Work Number by my employers. The report lists " verifiers who have procured your data in the past 24 months. '' In this section, an organization nondescriptly identified as " XXXX XXXX XXXX XXXX  '' requested my information two times on XX/XX/2018. To my knowledge, I did not authorize any such request. 

The report specifically says that " if you need further assistance or wish to dispute any information in your Employment Data Report, please contact our Client Service Center at XXXX Monday through Friday XXXX XXXX. Please reference case number XXXX. '' I have called this number several times asking for more information about what is the " XXXX XXXX XXXX XXXX  '' that made two requests for my Employment Data Report on XX/XX/2018, because to my knowledge I did not authorize any such requests because I have not applied for any credit cards nor have I applied for an increase. 

My first issue is that when you call this number, no one in any of the departments that I was transferred to recognized the reference case number, XXXX, that is provided on the Employer Data Report with instructions to contact the Client Service Center at the XXXX phone number. I was actually transferred nine times back and forth between three departments, Disputes, Verifications Research, and Equifax : who all said that they could not provide any information to me about the two requests on XX/XX/2018 from " XXXX XXXX XXXX XXXX  '', and who all did not recognize the case number. The only recourse I was offered every time was to be transferred to another department, and invariably receive the same response over again. 

My second issue is that I believe I have a right under the Fair Credit Reporting Act to receive an explanation or at least be provided with more information about what is the " XXXX XXXX XXXX XXXX  '' and why two requests for my employment data report were made on 02/13/2018 and if my Employment Data Report was released or not released to the " XXXX XXXX XXXX XXXX. '' I find it extremely troubling and inconsistent with the Fair Credit Reporting Act that I can not be given any more information or counseling on how my information XXXX be shared by The Work Number Service Team when you call the Client Service Center at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
These accounts don't belong to me. please remove accounts : 1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

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 2020-08-27
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XXXX AFNI, XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX bank of americas fraud department notified me about some suspicious transactions on my edd debit card. I confirmed that it was indeed fraudulent. I was in the hospital from XXXX delivering my son. Theres no way i could have been at an atm making withdrawls. I also had possession of my card the entire time. 
So, i proceeded to file a claim. I was told to request a police report. When i contacted my police department, they informed me that a police report could not be filed until i received something in writing from the bank. It took 2 full weeks until i received the letter from BoA stating that they felt there was no fraud or error and therefore was not going to refund me the total amount which was XXXX. That same day XXXX, i filed a police report and then contacted BoA demanding to speak with a manager or submit a reconsideration. I was informed at that time that i could not file the reconsideration  until i received a copy of the police report. It is now XX/XX/XXXX, and the police report is still not ready for me to pick up. This delay is prohibiting me from continuing the reconsideration process with BoA. I also requested copies of documents used to determine the transactions were authorized and was told on XXXX they would be sent and still have not received anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX and Venmo will not help me recover my money. They are great ways for scammers to steal from people XXXX will not do a thing about it, and Venmo will only flag the account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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:
While checking my credit report I noticed several accounts that don't belong to me. I contacted the police created an identity theft report then submitted the information to the credit bureaus. These fraudulent accounts have yet to be removed and blocked from my credit report. The referred accounts is XXXX XXXX XXXX XXXX Its 2 accounts fraudulently being reported on my file by this company. First account # XXXX {$10000.00} the Second account # XXXX {$710.00} Instead of removing these accounts from my report they changed the status to closed accounts. Another fraudulent account being reported is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX XXXX charges appeared that were previously taken. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and pulled {$150.00} from my accounts. 
XXXX # XXXX with XXXX, no response from the company. I believe my other transactions are possibly fraudulent now, as I can not add an account to pull the money. Total I'm out {$350.00} of transactions, {$200.00} in money I can not withdraw and {$150.00} in money fraudulently pulled from my card and not placed into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: FL
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 have been the victim of identity theft since XXXX and I have contacted Equifax several times in order to get remove these fraudulent inquiries I have in my credit report and they have failed to do that. I have the following inquires unauthorize : XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation