BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-13
Company: Law Office of Michael J. Scott, PC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, I received a debt collection letter from Credit Control , LLC concerning a alleged credit card debt with XXXX XXXX I never had any dealings with this company so on XX/XX/XXXX, I sent a debt validation letter to the company requesting validation of this debt. I never heard back from them. On XX/XX/XXXX I received another debt collection letter from XXXX XXXX XXXX about the same debt, in XX/XX/XXXX, I sent a debt validation letter to them requesting validation of the debt. I didnt hear back from them. On XX/XX/XXXX, I received a debt collection letter from XXXX XXXX XXXX from XXXX XXXX and on XX/XX/XXXX, I sent a debt validation letter requesting validation of the debt. I didnt hear back. On XX/XX/XXXX & XX/XX/XXXX, I disputed the debt to all three credit bureaus and the only thing I heard from XXXX  stating that they received a electronic verification from the company stating the debt is validated, a gentleman stated that they arent required to get a validation if the debt just notify them that a dispute. On XX/XX/XXXX, my neighbor brings me a stack of mail stating it was put in his mailbox by mistake and I had another neighbors mail. One of the letters were from Scott & Associates , PC dated XX/XX/XXXX threatening a lawsuit against me. I generated another debt validation letter requesting validation of the debt and I also received advertisement from local attorneys stating I have a lawsuit in civil court against me by XXXX XXXX, I contacted the Scott & Associates asking about this debt and I just received the letter, she stated they filed suit in XX/XX/XXXX and sent a letter out on XX/XX/XXXX. I advised them that they never gave me an opportunity to respond and they stated they sent a letter back in XXXX which I never received and stated that I should be getting served anyway now. This is a total violation of the Fair Debt Collections Act because I wasnt given due process and if I received a letter I would have responded. As of this date I still havent been served a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM IF IDENTITY THEFT I HAVE MADE CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-03-22
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On the first week of XXXX I noticed some charges on my bank account that was not made by me. I reported fraud on the app and called the Wells Fargo to try to get my money back. I explained that I dont live in the US anymore, I gave proof of my residence in XXXX . My debit card got cloned and was used to put credit on a prepaid phone from Georgia and other things like food. I cant be me, because Im not in the US. The bank opened an investigation and decided twice that because the thief used my PIN number it was approved by me. That cant be true because the debit card is here with me in XXXX. Im already filling a report at the XXXX XXXX police department because what happened is fraud and the bank refuses to believe me. I have proof of all my calls, the claim number, the email I got saying that someone tried to used the card to put credit on a number that doesnt belong to me.

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 2022-07-17
Company: EQUIFAX, INC.
State: WA
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 a victim of Identity Theft, See attached FTC REPORT, Forms of Identity, and utility bill. Remove the following accounts per 605B of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Since XX/XX/XXXX, XXXX Wells Fargo is allowing my identity to be use by some thief. 
The thief has been using my address and my name as well as my email address and how did he/she managed to open multiple bank accounts using my information with or without the help of the BANK in QUESTION? 

Wells Fargo Bank has been sending me statement, letters, emails and even a debit card using my name, my address and my email address on multiple accounts I have not opened. I have NO business with Wells Fargo Bank. 
I have gotten multiple letters and collection letters from Wells Fargo as well. It's extremely annoying the endless amount of time/money that this FRAUD has cost me. 

I met/and contacted the bank on XX/XX/2022 in my community to discuss the issue. I made a report with the local police. I lost money because of this thief. 

But letters continue to insult my dignity and identity. 
Please I need an authentic answer to this issue. I worked all my life so hard to be abused by a thief who wants to steal my identify and commit financial crimes. 
Please contact me ASAP. 
THANK YOU! 
Or email me A fair solution to this issue, would be to compensate me for damages and lost of time, fear and mental health damages to my name/life which already is full of debts. I need to be compensated for the weakness or failure to secure my identity/the use of my personal information tacking my integrity, my dignity and my vulnerability as a hard-working person, a tax payer and a decent name. I want the bank to find the thief and let me know who did it. I want these accounts to be removed and permanently block the thief from further damage to me or anyone else. That's is a security issue because if we cant keep safe the business of money as a way to do make transactions, then we will be all forced to go back to trading goods which is a fair safer way to do business. il.com.

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 2022-07-17
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: Account status incorrect

Complaint:
To Whom it May Concern : On a recent review of my credit report I discovered your company issued late payments on my credit report for XX/XX/XXXX. 

At the time I was living at : XXXX XXXX XXXX # XXXX XXXX XXXXXXXX CA XXXX and the State of California issued mandatory stay at home orders starting XX/XX/XXXX. These mandatory stay at home orders were in effect until XX/XX/XXXX. 

I am seeking to have these late payments completely removed from my credit profile due to government mandated lockdowns and it affecting my income as a result. 

You will notice I still have this car loan, have made all payments on time before and after, and will continue to do so. 

I can be reached at the mailing address on this letter and please have this resolved within 30 days of receipt. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Bayview Solutions LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt collector named  XXXX   XXXX   XXXX . held a credit debt under my name. I made several payments to the debt collector and made a final settlement arrangement of {$1200.00} to close to the debt. That payment was made to  XXXX   XXXX  on  XXXX .     My wife and I were contacted by a law firm called  (   XXXX   XXXX   XXXX  )  XXXX   XXXX   XXXX , on  XXXX , stating they had a property complaint regarding our address and we needed to be available to receive property complaint papers between the hours of  XXXX . I called the number at my earliest convenience to learn  XXXX   XXXX   XXXX  on behalf of Bayview Solutions LLC were trying to collect on a credit debt matching the one paid over fours years prior. Stated they would cancel summons paperwork if I paid the amount of {$2100.00}. I reluctantly paid the amount to avoid legal action or property disputes, but stated I had previously paid his debt.  XXXX   XXXX   XXXX  as well as  Bayview Solutions  stated I would be provided with a summary of charges after payment. The only statement I 've yet to receive does not show a summary.     I personally tried to trace back through several debt collection agencies where this bill might have gone wrong. The  two com panies involved seem to be interested in helping to resolve the issue but are never motivated by time and always have another request after  one is met. The Debt in question was received by Bayview Solutions  by  XXXX   XXXX   XXXX  on  XXXX  of   XXXX   with a balance of {$1500.00}. I 've been told by  Bayview Solutions th at they could refund my payment of {$2100.00}, however, would not close the debt in question.     I would like to know why I never received a notification of debt fro m Bayview Solution LLC, and  never heard of debt in question until be contacted on  XXXX   XXXX    XXXX  ? I would like to now why they are collecting on a debt that has already been settled upon. I would also like to know why I had to pay more than my original debt in it 's entirety, {$520.00} more than the amount passed to Bayview in  XXXX  of   XXXX  , and why I ca n't seem to get a document stating the breakdown of payment?     I will attach all records I have of all known payments regarding this account, and a copy of debt settlement and closure by  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: TN
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:
Please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Wells Fargo Bank closed  XXXX  of my accounts without notice and then would not let me pay them off for over  TWO YE ARS! They continued to show me Charged OFF and hurt my credit score for THREE Y EARS NOW! Accounts ending #  XXXX  for {$260.00} and #  XXXX  for  XXXX .     I had to hire an attorney to get  Wells Fargo to accept payment and they would not accept payment! I tried going into the bank and asked the managers to accept cash and they would not. I sen t two checks in a  letter I sent to Wells Fargo Headquarters in   XXXX   XXXX , certified mail return receipt ( attached ), attention the VP of Consumer Credit and they did not cash my checks and did not even respond to my certified letter! I have written letters and rec 'd   one form letter back which was a joke since they would n't accept payment.
I read an article about how Wells Fargo created all those FRAUD loan accounts and saw a special line to call if I had problems with Wells Fargo and called. That person DID accept payment and these   XXXX     accounts are now paid in full  XXXX      2016 ( attached ).
All the time however, Wells Fargo continued t  o report me as a charged off account hurting my credit scores after I walked in and tried to pay these accounts off in cash!!

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 2022-07-09
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:
In accordance with the Fair Credit Reporting act 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 XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX agreed to remove the account completely from my credit file if the agreed amount was paid. I did pay the settlement and yet the three bureaus did not investigate the account otherwise they would have removed it from my credit file and not just report it with a XXXX balance

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 2021-08-10
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have been reporting frauds in my savings and checking accounts. 
Reporting to FBI and police : I have previously been a victim to chase XXXX wire fraud XXXX XXXX XXXXXXXX XXXX 2019. 

citi bank has illegally CREATED A VIRTUAL CARD .In which has damaged my credit report. They are refusing to provide me with these numbers and verification of closed account. 
I was told yesterday. They were faxing a letter to provide my lender : in which they never complied. I have over XXXX worth of false charges. They refused to change the numbers on account. They are not crediting me for these frauds. 

I am in the process of losing my loan agreement. ( as I did not grant permission to open this ) it was a result of a 8 digit expiration date that is creating glitches in the merchants machines. 
As a result of this fake virtual account : if I have to take early from my ira to buy the property. I will have tax penalty that they will be accountable for, This month and last I have damages of {$4000.00}. 
This is wire fraud and account tampering. as well as not following a customer directive with my own money. Its bank robbery and the management need to be accountable. For this on going harassment 6 yrs. 

I am living in a hotel XXXX waiting to close and citi won't provide the paperwork delaying me 1 week all ready at a cost of XXXX a day.. 

THIS HAS BECOME A DAILY FULL TIME JOB> I need help!!

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 2020-03-13
Company: Frontline Asset Strategies, LLC
State: KY
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:
This company has continued to call after being told to contact by mail only. They have contacted my spouse who is not on the credit card and shared information with them regarding the amount of money owed and the last 4  of the credit card number. When I called them today to ask about them doing this they became very aggressive and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification on my credit that I owed a medical debt of {$690.00} to IC Systems. I have disputed this collection multiple times because I'm unaware how I would have a medical debt when I have always had Military insurance since the age of XXXX. Each attempt to dispute with XXXX, the collect states it's accurate, but does not provide proof. I have also attempted to dispute the debt with the company and still have not received any verification that I owe the 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 2016-01-05
Company: Nationwide Biweekly Administration, Inc.
State: CA
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
We enrolled in nationwide bi weekly program and now they are closed and they say the issue might get resolved few months later. They had also collected a fees of over XXXX $ from us and now they are saying even though the service is not offered the money is not refundable and refusing to answer questions. 

I also see this in reference to this XXXX Please help any way. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: BANK OF THE WEST
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
my husband received a check for approx. {$22000.00} from and inheritance recently in the form of an official cashiers check. I took the check to our Bank ( Bank of the West ) in XXXX, AZ and I was told that the funds would not be available for at least XXXX business days. I was told that {$200.00} would be available immediately, then in XXXX days {$4800.00} would be available and then in XXXX business days the remainder. I asked why that was since it was an official check. They said that there was nothing that they could do and it was just the way it was. I have since looked up the law and see that the funds should have been available the next day. I wanted to alert you to this situation. Thank you, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The three major credit bureaus are currently reporting incorrect negative information on my tradeline. They are all reporting that an account on my TRADELINES is charged off with multiple late payments. The account is XXXX XXXX. I was notified that the status of my account was charged off when in fact the account has been paid in full and was paid current. This account has not been late and is not charged off. Attached is proof that the account was paid on time and paid off.

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