BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
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: Was not notified of investigation status or results

Complaint:
This is the fourth time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 5 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. 

You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX XXXX XXXX Account Number : XXXX ; Account Name : XXXX XXXX Account Number : XXXX ; and Account Name : XXXX XXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: EQUIFAX, INC.
State: SC
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:
I have been corresponding back and forth with XXXX and now XXXX for the past year regarding the late payments they are reporting on my account with the credit reporting agencies ( Equifax, XXXX and XXXX XXXX ).

XXXX is reporting two 60 day late payments on two separate accounts! Not 30 days, but 60! I  have asked for explanation and proof that these payments were billed as payments due and not received. I am not accustomed to NOT payment my bills. They responded by providing the attached statements for both accounts. Neither of the statements show when a payment was actually due or the amount that is due. They do show when I made payments and how much was accepted and posted to interest. It also has a column for Late Charge paid, but no amount is ever listed in that column, even when payments were made. 

My argument is that the accounts have been in forbearance for pretty much the life of the loans, so any payments that I have made has been only when interest payments are arranged, which I get emails when payments are due and I pay them, as you will also see on the statements. There is no indication on the statements that payments were due in XX/XX/XXXX or XX/XX/XXXX. You will also see attached, a statement from XXXX notifying me that both loans was back in forbearance beginning on XX/XX/XXXX. When I submitted this to XXXX, they said that the payments were already scheduled for XX/XX/XXXX ( ahead? ), but I never received any notification of payment due in XX/XX/XXXX.

There are also other dates listed on the statements where there was no payments received that they have NOT reported late. Therefore, how does this prove that the late payments they are reporting are accurate? 

I am asking that the CFPB review the attached documents provided by XXXX and myself and help me to determine whether they have legitimate reason to report the late payments at all. Let alone 60 DAYS late! Come on!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Summit Consumer Group
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was contact by an outfit called Summit Consumer Group about an XXXX credit card. I responded to them via phone to tell them not to contact me that the debt wads paid. This is an old debt and I have since obtained a premium credit card from XXXX with a large line. I would not provide any information to these people since they use deceptive methods to approached me. They said I was being served court documents and i told them to bring it on. That was over 6 months ago. They called my wife this week and tried that same approach tactic. They said left her a voicemail with the last 4 digits of her SSN and mine. I called and they said they have our credit file. They would not provide an address or a specific business name. We got into a very ugly argument with them and I have begged them to sue me so they can pay for our son 's college education. We have recorded all conversations with them. We have argued with a XXXX XXXX and a XXXX XXXX. This Summit Consumer outfit is very sleazy and unprofessional They catch people off guard and out of the blue.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-07
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:
I received a loan from XXXX in XX/XX/XXXX. I had some difficulty with the payments due to the pandemic. XXXX provided a month hardship deferral. According to my XXXX report I fell behind in XX/XX/XXXX. However, the Equifax reports shows a DOFD ( date of first delinquency ) as XX/XX/XXXX. I was shocked to learn that XXXX accelerated this loan after only 90 days, although the FDIC suggest 120 days for a close-end product such as this. It should be noted that with regard to XXXX the myFico combined report does not display any data for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I found out today ( XX/XX/XXXX ) via an email ( attached ) from Bank of America that it closed my credit card, one that I have had since XX/XX/XXXX. I called the Bank to find out why they closed my credit card and was transferred several times, before someone could respond. But, that person merely said it may have been due to primarily making minimum payments on my credit card ( but I also typically make large payments periodically throughout the year ) and also may be due to certain other " metrics '' that didnt seem to pertain to me. He listed several possibilities, none of which applied to my historical credit patterns. I have not been late on this credit card or any other loan for years, except this month. I was three days late on the payment to the Bank of America credit card this month. The payment was due on the XXXX and I paid it on the XXXX ( it posted on the XXXX ) - a simple oversight that has not happened for years and would not have happened if Bank of America had an intuitive automatic payment system and if I wasnt in the process of moving. My current credit report shows a perfect payment history on this and my other credit cards and loans. Also, I am not maxed out on any of my credit cards I maintain less than 70 % average usage of my revolving debt. Ironically enough, I received a mortgage offer ( also attached ) from Bank of America just this morning, before I received the email that it closed my credit card account! My primary concerns are that this account closure, through no fault of my own, will hurt my good credit score, which I have worked hard to maintain, and that it will prevent me from obtaining credit at a fair interest rate going forward. As this is one of my oldest accounts, it is sure to have a major impact on my credit score. Lastly, I can not help but be concerned that this is an act of discrimination on the basis of my XXXX surname because I see no sound business reason for this action.

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 2019-01-16
Company: TRANSWORLD SYSTEMS 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:
Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
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 information incorrect

Complaint:
keeps reporting information on a account that has been paid in full. Account needs to be closed paid in full removed from all credit bureaus and should not be reporting information without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Merchants Acceptance Corp
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Merchant acceptance is calling my employer, demanding my bank account number, and making threats to have my wages garnished over a debt that is not mine. I have talked to the company several times and they are making no effort in trying to help the situation or come up with a resolution. They call me on average 3-5 time daily. .. I've asked that they not phone me, and to contact me only by mail. That has not stopped the harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
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:
To Whom It May Concern : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
Those item include XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable.Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is an insult Thank you. 
XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: United Acceptance Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've wrote two letters to UNITED ACCEPTANCE for proof of a debt that have no recollection of that reporting on my credit report and never received any proof and is still reporting on my credit report. Required under the Fair Credit Reporting Act to have copy of the original documentation on file to verify the debt is mine. United Acceptance have not provided me any original documentation as required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ). They sent me two letters back saying that they verified that the debt is mine but no documentation. They proceeded by sending the debt to XXXX XXXX XXXX and now they are reporting the same debt on my credit report and also contacting me about the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding sent a wage garnishment to my employer XXXX aka XXXX  of Illinois and my wages were garnished and the amount was collected in full, I am still being harassed and threatened for legal action, I have contacted Midland several times and they give me the run around stating I have to contact another # and dept and I can not get a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX   FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: FRANK & ISRAEL LTD.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XXXX I had emailed XXXX and XXXX ( XXXX XXXX ) regarding an unknown debt on my credit report. I had stated that my email wasn't an acknowledgement nor acceptance of debt and that I hadn't received any verification of this debt. I was only made aware of owing these funds after applying for a new home loan. I had made a settlement offer to payoff the debt in full in exchange for a courtesy removal from the credit bureaus. I had received a response from XXXX on XX/XX/XXXX. The response provided a settlement offer with them informing me that they'd report the debt as paid in full. I had asked to clarify if they'd be requesting the debt be removed from the bureaus via email on XX/XX/XXXX. They provided a response on XXXX stating that under FCRA they can update the debt as paid in full. I had again responded to that email asking to have a conversation and that I was only asking for a courtesy removal. Again on XXXX, XXXX had quoted what they " can '' do under FCRA. Again on XXXX I had tried calling with no response and sent a follow-up email to them. The issue at hand is that this company has never provided me any initial notification of this debt. Furthermore, this company has not once followed the their requirements pertaining to my rights under the Fair Debt Collection Practices Act by disclosing that he or she is attempting to collect a 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 2021-09-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This so called collection agency has called me multiple times. They called about an old 5/3 account I had well over 10 years ago. It sounded funny so I personally contacted the bank to which a letter was delivered to me saying my account was closed, charged off and that they were not looking for any funds/ restitution on the old account. Furthermore, they also said " Fifth Third Bank has not contracted with ANY company to contact you ; ANY company that may have called you regarding your previous account with us is NOT acting on behalf of Fifth Third Bank. '' The " case '' manager with this " business '' claimed that I wasn't answering her questions so she escalated my case to the escalation department. Thats when things got funny. The lady claimed she was the director of communications for escalation and that I needed to pay the account or she was going to make sure my accounts were frozen, my income would taken, and anything I owned would be taken away. I informed her that I contacted the bank and they informed me they did not contract with them and she began to yell at me and even threatened my family. She told me she wold inform the military that I refused to pay a debt. I asked her why she was yelling at me if she was a law firm this is not how you speak to anyone. She proceeds to tell me that she was going to push my case to the top of the file and see to it that my accounts were frozen, assets taken and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After receiving a decent sized tax refund via direct deposit, I attempted to withdraw {$1000.00} to purchase an old car. The ATM declined the transaction due to a daily withdraw limit, so I called the bank 's hotline and asked if they could please let me have my money. They refused. I spoke to a supervisor, who also refused to let me have my money, and then lied and said I could get a cash-back transaction to get around the limit. I tried this solution, and it didn't work. 
I was finally able to get the cash out by very helpful staff at the local XXXX who used a few tricks to make a money order drawn off the debit card. 

The next week, the same thing happened again - and once again, they refused to allow me to access the cash via ATM. I went into the branch and asked them what on earth was going on. They gave me the cash at the teller window, and then told me that they weren't going to allow me to withdraw more than {$300.00} a day at the ATM no matter what my account balance was because of too many overdrafts the previous year. I'm not talking about allowing a cash withdraw when there is no money in the account, that's ridiculous. In this case, I had several thousand dollars in the account and the bank would not let me take out more than {$300.00}. This ISNT a credit card, it's my money, in my bank account. Wells Fargo NA is refusing to allow me to access my own money.

Note that I don't routinely withdraw {$1000.00} from my account multiple times in one year, this was a rare circumstance where we were helping two family  members purchase cars so they could get to work and we also had to put a down payment on a larger car for our own family because it was growing at the time.

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