BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-09
Company: ERC
State: KS
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:
With reference to the letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, all delivered by recorded mail. In those letters I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract. 
2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX XXXX pursuant to the The Bills of Exchange Act 1908, Section 23.

3. Proof of Claim that ENHANCED RECOVERY COMPANY has the legal right and lawful authority to  attempt to enforce collection of the alleged liability in the form of Proof of Agency. 

I hereby serve Notice that failure to provide Proof of Claim by ENHANCED RECOVERY COMPANY has created a permanent and irrevocable Estoppel by Acquiescence, forevermore barring ENHANCED RECOVERY COMPANY from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX. 

It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a consequential specie of correspondence. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another. 

Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of ENHANCED RECOVERY COMPANY agreement to the following lawfully binding terms and conditions : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You have not proven any debt. If you sell the alleged liability, and/or appoint an agent to act on its/your behalf in this matter you will have broken our lawfully binding agreement and you agree to pay the following fee schedule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: AL
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:
i sent letters to XXXX and Experian for inaccurate reporting items on my credit report per 15 USC 1681b see attachments 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 2016-01-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
They have a judgement on my report. It is not mine. Credit report file # XXXX I have call the court as well I have checked online nothing comes up i NEVER had a judgment against me. XXXX.do nothing comes up NO judgment. i have sent in a letter to equifax saying this is not mine and either remove it or show me proof that 's its mine. They sent me back a letter they validated it. They have not showed me proof even though i requested it in the letter. I called them and they say they can not show me. Either show me proof that its mine or take it off asap! If it is not taken off i will be suing them in court. For every single violation they have committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: EQUIFAX, INC.
State: NY
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:
To whom it may concern, Recently, I had a " delinquency '' status placed on an account that I had recently closed with XXXX XXXX for a car I leased in XXXX. I have always made timely payments on my account, and decided to buy out the lease, which I sent pay off on XX/XX/XXXX before the due date XXXX XX/XX/XXXX XXXX for my usual lease payments. However, I found out through my credit report alerts that my credit score went down by 75 points because of a delinquency status placed by XXXX XXXX. I submitted a dispute with Equifax with supporting documents to prove that I have never been delinquent. However, I found out on my investigation results that they only changed the date of the delinquency status rather than deleting it. They clearly did not investigate this thoroughly and did not look carefully at the documents I had submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXXXXXX XXXX  XXXX : {$17000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX : {$500.00} ; XXXX  XXXX Balance : {$190.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX : {$0.00} 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 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 2022-03-30
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There are hard inquiries on my report that I did NOT authorize. I tried contacting the creditors by mail & havent received a response to this urgent concern. Also, I contacted TRANSUNION directly and they REFUSED to help. 
These inquiries need to be deleted from my Transunion report because I did NOT authorize them. 
1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX  6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Some one got into my account and took my money on multiply occasions and the bank never refunded my money and never tried to contact me about it

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-09-26
Company: Experian Information Solutions 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 not the originator of the enclosed information on my credit 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 explanation
Consumer complaint received 2019-09-04
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been consistently attempting to get this company to show proof, validation of my signature showing that I am indeed responsible for this debt. They have failed to comply on multiple attempts in asking for validation. The company continues to send documentation stating that debt, has been verified and showing it's my debt, but no supporting documentation has been sent to me via standard mail stating that this belongs to me. 
I am requesting a further review and if proof can not be provided within 30 business days I am demanding that the account under my credit file be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There was nothing to explain further. I have been sending letters to Equifax for months now and I have repeated myself over and over again. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS XXXX XXXX ( ORIG CREDITOR NAME : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX  XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: NC
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
- XX/XX/2019 Unauthorized credit card payment of {$7800.00} issued from my Bank of America account to XXXX XXXX. 

- XX/XX/2019 Unauthorized credit card payment of {$2300.00} issued from my Bank of America account to XXXX XXXX  Credit Card. 

- XX/XX/2019 Requested to stop another incoming unauthorized credit card payment from my Bank of America account to XXXX XXXX Credit Card. 

- XX/XX/2019 Fraud Claim was filed to Bank of America. 

- XX/XX/2019 Fraud Claim was denied. 

- XX/XX/2019 Identity Theft Report from FTC ( Federal Trade Commission ) and Complaint Referral Form from IC3 ( Internet Crime Complaint Center by FBI ) were sent by fax and certified mail to Bank of America Fraud Department.

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 2017-12-20
Company: Duncan Solutions, lnc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Due to driving in a rental car and having a faulty transponder, a toll roads transponder payment was not initiated on XX/XX/XXXX. The first violation notice I received was a Collections Notice from XXXX XXXX XXXX, XXXX " XXXX '' in XXXX XXXX. ( Doing business at the time as XXXX XXXX XXXX XXXX XXXX - phone number is the same for both companies XXXX. ) On XX/XX/XXXX I spoke to a representative that instructed me to send in the supporting documents of my active account in good standing with the previously submitted information of XX/XX/XXXX.  Nearly two ( 2 ) years later, I received a new collections notice from XXXX ( dated XX/XX/XXXX ) for the same incident. I responded with a letter and copies of previously submitted supporting documents on XX/XX/XXXX. XXXX responded with a letter dated XX/XX/XXXX for additional information. I responded with the additional information and copies of previously submitted correspondence on XX/XX/XXXX. XXXX responded yet again with a letter request ( dated XX/XX/XXXX ) for additional information erroneous to the situation at hand. On XX/XX/XXXX I spoke to helpful representatives that escalated the call to a Supervisor. Finally, no Supervisor came on the phone, but a message from Supervisor XXXX follows : " The rental car needs to be linked to the Toll Roads account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: CAINE & WEINER COMPANY, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt collector, CAINE & WEINER has violated my right to privacy and is also in violation of FDCPA 1006.30a and its rule by parking an unverified, alleged debt on my consumer reports without taking required actions. Please see the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged overdraft fees when money was deposited same day

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 2021-03-26
Company: Caliber Home Loans, Inc.
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On Friday, XX/XX/2021, I contacted my current mortgage company, Caliber Home Loans, to notify them of my closing date with a new lender, XXXX, on Tuesday, XX/XX/2021. I requested they update the Payoff ( through XX/XX/XXXX ) to reflect the correct Escrow Balance of - {$35.00}, not {$1900.00} which reflects the XX/XX/XXXX Real Estate Tax Bill that is due. They bounced me back and forth between Customer Service & Tax Department for over 2 hours. I probably spoke with about 6 different people and can not remember all names. XXXX from Caliber 's Tax Department admitted the tax date they had in the system was wrong ( incorrectly listed it as XX/XX/XXXX, not XX/XX/XXXX ) and that they do not even have a tax bill for which a Stop Payment could be issued. She is correct, because I can not even get an updated statement from the City of XXXX as they have not issued them for the XX/XX/XXXX billing yet. The City of XXXX issued me an abatement in XXXX and I do not even know exactly what the amended XX/XX/XXXX bill will be yet, because the City has not issued those new XXXX bills and will very likely see them until XX/XX/XXXX, which is long after I close and pay my Caliber loan in full. 

I was then transferred to her Supervisor XXXX who then passed me back to Customer Service again and then transferred me to another Customer Service Supervisor, XXXX. XXXX along with the new Tax Department contact flat out refused to update the information and basically said they would not change anything and gleefully told me that they won't even discharge my loan if I did not pay the {$1900.00} escrow balance ( which is incorrect, because my escrow balance is - {$35.00} XXXX and the bill is not even owed to the City of XXXX until XX/XX/XXXX. So, now both banks are charging me escrow for the same tax bill. This is a highly unacceptable practice that puts an unfair financial burden on the borrower. I was also told by the new bank representative at XXXX that it is illegal for them to collect this additional money. I want them to be punished for triple the amount ( {$1900.00} x 3 ) they are unfairly trying to collect from me interest free, so they will be incentivized to fix their processes and not put such an unfair burden on any borrower again, especially in the middle of a pandemic where so many people are hurting financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 XXXX XXXX XXXX XXXX Equifax 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 Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed a report with the FTC. I do not recognize any of this stuff. I can't believe how my credit has been run. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 2020-10-09
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: CT
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My paypal account was permanently limited on XXXX XXXX, 2023 without prior notice from the company if I have violated any of their rules and regulations. Kindly help me with this since I still have around {$120.00} on my account that I can not withdraw. 
Also, they sent me a dispute claiming my {$110.00} for refund which I can not attend to since my account was limited.

Company response to consumer: Closed with explanation