BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-11
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:
I summited 609 dispute letters certified Mail with two forms of identification asking for validation documentation on this debt ( XXXX XXXX ) asking for original contact with wet signature to verify this debt the bureaus responded with there investigations response they reach out to a third party agency to verify information that it was validated when law clearly states I need information verify this debt in Mail documents not by email and not just they response its complete and no proof of anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Receivable Management Group, Inc. (GA)
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : RECEIVABLE MGMT GROUP # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and Ohio University that gave you the right to collect this debt

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 2019-06-21
Company: Associated Credit Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir/ Madam, I noticed a collection account ( {$80.00} ) in my credit report of all credit Bureaus. This collection account was placed by Associated Credit service located in XXXX XXXX. 
I lived in XXXX XXXX XXXX XXXX XXXX NY XXXX. Last 6 years I lived in this address : This is a utility bill from the XXXX XXXX. This is a fraud account. I never lived at that address. I have my utility bill from the current address. After contacting the collection agency they said I have to pay. I settled for around {$60.00} dollar. Still, there is a note in a credit report which will stay for 7 years. Again this a fraud account someone used my name and social security number without my permission. I need help in this regard. 

XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
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:
I purchased a vehicle through XXXX XXXX XXXX in XXXX. I authorized them to run my credit once. I now have several hard inquiries XXXX XXXX, XXXX and in XXXX XXXX, XXXX. The XXXX called me in XXXX to notify me that I needed to call the lender because the lender needed to conduct a survey because XXXX XXXX XXXX is having issues with the lender until I do the survey. I contacted the lender and did the survey, however now I see that XXXX XXXX XXXX ran my credit through XXXX more times without my authorization. I have my loan through XXXX XXXX. The unauthorized inquiries that are reflected on my credit report are through TD Auto Financing, XXXX XXXX, XXXX Bank, XXXX XXXX, XXXX XXXX, and COAF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HELLO TARGET/TD ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
XX/XX/XXXX we, wife and myself joint owners of XXXX account for 17 years, purchased Cashiers Check for {$22000.00} at XXXX XXXX branch of WellsFargo ; Mailed to Payee, my 401k plan administrator ; pay-off of the loan balance ; XX/XX/XXXX we submitted Affidavit as to Lost, Destroyed or Stolen Cashiers or Official Check at XXXX XXXX branch Banker 1 stated the sum will be refunded to the checking account 90 days after purchase ( XX/XX/XXXX) XXXX XXXX XXXX 101 days from the Cashiers Check purchase day Met with a Banker at at XXXX XXXX branch, Requested refund of {$22000.00} to the checking account Banker 2 demanded submitting a legal copy of the check as a re-condition to refund. <P/>XX/XX/XXXX 103 days from the Cashiers Check purchase day Payee stated in writing that the Cashiers check was destroyed ; we forwarded the Statement to the Banker 2 ; Requested refund of {$22000.00} to the checking account Payee never cashed the check ; since then - multiple interactions with Customer Care XXXX ; escalated to CASE GMT XXXX at WFB WFB refuses to refund the CASHIER 'S CHECK to our account. since 90-day after XXXX XXXX XXXX Wells Fargo os in breach of UCC and Min. Stat. 336.3-312

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: GA
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:
Unauthorized Inquiries on XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized and Inquiries on Equifax XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 usc1681 section 602 states I have the right to privacy. 15usc1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan late for any purpose. Capital One Auto Finance. I discussed with company that this account will be removed from my account, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: DISCOVER BANK
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I just received a letter from Discovery Cards and an application was denied, saying no credit on file. On the mailing address my viewed as XXXX XXXX XXXX. My middle name start with XXXX XXXX XXXXXXXX. I contacted Discovery to alert them. I want to inform everyone because my wallet was lost and had bank cards, credit cards from XXXX XXXX my ss card and birth certificate. Thank you for the the consideration. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: EQUIFAX, INC.
State: AL
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:
Equifax FICO score was lowered 12 points even though they say it is based on data they last collected in XX/XX/2018. Equifax claims I have a high credit utilization rate, however an audit conducted by XXXX says that rate is 27 % which is below what they consider high ( over 30 % ) Since XX/XX/2018 they have not checked on this but they refuse to update their data instead lowered my FICO score based on this outdated data. They refuse changing the record nor investigating my complaint and this will increase the interest rate I can get from lenders. The representative I talked to in the phone said that they dont investigate themselves. Can you investigate them?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX sent me a letter around fall in 2021 stating that one of my student loans had been cancelled out. FedLoan took over the loan servicing from XXXX, FedLoan has not made adjustments to the amount owed on my federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
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:
Credit inquiries on my report that i don't recognize or I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit inquiries on my report that i don't recognize or I never authorized.

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 2019-06-21
Company: Experian Information Solutions 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:
Credit inquiries on my report that i don't recognize or I never authorized.

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 2017-09-21
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The following debt is over XXXX XXXX XXXX. The debt was sold to a collection who then sold it to another collection and the open date they are using is the date that the collection received the date. 

The last activity with both debt were XXXX. I have contacted the creditor, collection and disputed with the credit bureau and I got no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions 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:
There is an inquiry from XXXX XXXX XXXX XXXX XXXX on my credit report. This is a fraud account. I dont have small business, nor did a apply for anything to do with a small business.

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 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my credit report I noticed several fraudulent accounts. I've tried to resolve this matter with the credit bureaus several times before but to no avail.

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 2017-11-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I went to a USAA ATM to withdraw money from my USAA checking account. My USAA ATM card and my USAA credit card look almost identical. I accidentally put my credit card in the ATM instead of my ATM card. I proceeded with the withdrawal and at no time did the ATM indicate that I was using a credit card or that I was taking a cash advance. The screen asked how much I wanted to withdraw and my receipt says withdrawal. I did not know that I had made a cash advance until later that night when I was reviewing transactions. I called USAA the next day, but there was nothing that they could do because the transaction had not posted yet. The following day, I paid the money back that I had withdrawn and I called USAA. The 2 people that I talked to said that they would not refund the fee and interest and that it was my fault that I put my credit card in the ATM. I believe that there are several instances of deceptive business practices in this case. 1. The cards look almost identical. 2. The ATM did not tell me which account I was using. 3. The ATM told me that I was making a withdrawal not a cash advance. 4. The ATM did not tell me that I was going to incur any fees. 5. The receipt told me that I had made a withdrawal not a cash advance. 6. There were no fees listed on the receipt. 7. USAA did not allow me to reverse the transaction even though I notified them right away when I realized the mistake. I believe that this could have been prevented if USAA had been more open about the transaction while it was happening. It also could have been resolved easily by the company, but unfortunately their representatives just did n't care. This is actually the first time that I have had a less than awesome experience with USAA customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-07
Company: Medical Data Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had XXXX XXXX completed in XX/XX/XXXX/XX/XX/XXXX at XXXX XXXX XXXX, XXXX, PA. Unfortunately, a few of the billing codes were wrong and some payment was denied. I called the insurance company and received the codes that they will pay this bill under. The hospital told me to have the doctor send a new script to the lab for the purpose of rebilling. <P/>My doctor sent the new script to the lab on XX/XX/XXXX and confirmed receipt of the new script. As far as we knew they rebilled the insurance company. The. In XX/XX/XXXX, I received a call from Medical Data Systems stating that the bill went to them for collections. I told them what was going on and gave them  the new codes to have the hospital bill under. I had n't heard that anything was n't paid or done by the company. <P/>On XX/XX/XXXX, I checked my credit report because we are a victim of fraudulent use of our social security numbers ( caused by a breach at XXXX XXXX ). I saw that Medical Data Systems is now on my credit report. I called XXXX XXXX XXXX billing and they tell me they have never rebilled the insurance company, never received codes from the collection agency and that they do n't have the new script. I told them I will fax a copy of it over to them. And will do so later today. Unfortunately, they wo n't pull this from the collection agency. <P/>I then called Medical Data Systems, XXXX XXXX, FL to find out what is going on and why they never forwarded the correct information to the hospital. They told me that they they personally rebilled the insurance company and 48 hours later the insurance company told them that three of the codes were unbillable. I gave them five codes. They also billed a year after the second script was sent to the hospital so the codes may have changed. That is not my problem. This should have been done right from the beginning. <P/>The hospital billing dept. has been reported to the insurance various times for fraudulent billing resulting in us supposedly owing them money. The insurance company has been able to fix those " errors '' but ca n't this time because of it being an issue with coding. This company is single handily ruining my credit for issues that are really their own fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: CA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Report : XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Citimortgage refused to refinance my mortgage under the XXXX program. Consequently, I am paying a much higher interest and have suffered financial hardship.

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