BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Open Date XX/XX/2010 Balance : {$7200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Michael J Adams PC
State: TX
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:
XX/XX/2022 @ approximately XXXX received a notification that my bank account was overdrawn and a hold was placed on my personal bank account in excess of {$3200.00}. Called bank to inquire and advised that I needed to speak to the banks legal team. Upon talking with the banks legal department they advised a judgment was placed against me and they have a court order to place a hold on my account. They provided me with a name and number for the attorney, along with a court case number. I was unable to reach anyone at the phone number provided and was never notified of the pending court case. Michael J Adams XXXX represented XXXX in the amount of {$3200.00}. I am not sure of the accuracy of this information and haven't had an account with this merchant. This information was provided solely by my banking establishment and no contact was made with a live person at the attorney 's office upon calling at XXXX on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am appalled by the ability of the Credit Bureaus to ignore a consumer 's requests for the removal of the Fraudulent information being reported on my Credit report despite the past letters I have been sending them. This is my third endeavor to inform the Credit Bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion : XXXX 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 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 XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$460.00} XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-07-29
Company: EQUIFAX, 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:
I am appalled by the ability of the Credit Bureaus to ignore a consumer 's requests for the removal of the Fraudulent information being reported on my Credit report despite the past letters I have been sending them. This is my third endeavor to inform the Credit Bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion : 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 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  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$460.00} XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: I.C. System, Inc.
State: MI
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:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

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 2022-07-03
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I am having a terrible experience with WISE also known as Transferwise stating that they would have sent over my transfers on XX/XX/XXXX. I have my XXXX bills to pay which are going to be cut off within XXXX hours and I tried telling them that they should find out what the XXXX is going on with this transfer. Why is my transfer taking so long than the normal times I would have got it? It XXXX me off!!!!!!! I need this to be resolved immediately!!!! because someone is going to be reported. I swear if I know who is behind all these scams!!! God knows what I would have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: GA
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 am submitting this complaint in response to the current evaluation conducted by the Credit Bureau. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Spoke XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Where I set up a payment plan with AMEX I was drafted for a payment XXXX XXXX at XXXX spoke with AMEX they were sending me Non payments telling me that I was late and I was also being reported to credit bureau XX/XX/XXXX XXXX XXXX Called again stayed on hold for 1 hr to have the issue resolved. I continued to get calls saying that I have not paid however but I am paying. Previously when I spoke with AMEX they told me that there was a glitch in their system at Amex and that is why I was getting this problem and that I needed to call back to get reenrolled. When I call back they are unavailable when I am off work. I am trying to get a new job and improve my credit score. I did a dispute through XXXX XXXX ; however American Express responded it was my error. This is clearly not my fault as my brother had a near death car accident and had to live with me and I lost my job that is why I called and asked for help. 
Below is where AMEX has been drafting me for the plan that they said they were putting me in. I am requesting that this be fixed on my credit score. 
Thank you.. 

XX/XX/2022 Paid XXXX XXXX {$190.00} XXXX XXXX, XXXX  Paid XXXX XXXX {$190.00} This payment has been posted to your account. 
XX/XX/2022 Paid XXXX XXXX {$190.00} CONFIRMATION XXXX STATUS This payment has been posted to your account. 
XX/XX/2022 XXXX XXXX XXXX {$270.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-23
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested for debt to be validated and I was informed that the original creditor is speedy cash ; I received a one-page letter without any disclosures from AD Astra Dated XX/XX/2022 after filing a complaint against the collection agency to verify/validate the debt. 

The letter did not include : -A " proper '' validation notice -The Validation period -detailed/itemized information regarding the debt; such as but not limited to ; - the original contract - the original loan balance -the specific type of loan - the account number associated with the debt- Clear and conspicuous information on where to dispute the debt - an itemization of the current amount of the debt reflecting interest, fees, payment, credits. 
- a copy of the most recent/last statement - the date the account was charged off/amount charged off - information regarding consumer protections I was prompted to report " ID Theft Affidavit '' without enough information provided to determine ID theft. This debt is frivolous and after doing more research it is also a fraudulent business activity that is not allowed in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSWORLD SYSTEMS INC
State: LA
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 fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
my name is XXXX XXXX. I used to have a checking account with wells Fargo Bank. I closed my account on XX/XX/2022. I forgot to inform to XXXX and XXXX about it. I did not change my credit card or bank information with them. on XXXXXXXX XXXXXXXX XXXXXXXX try to sent me a refund XXXX through XXXX to my account with wells fargo was closed. I try to explain to the customer service agent XXXX has that my account was closed but they said that they sent money back to the account on XXXX XXXX. I waited for the refund on XXXXl but they send refund to the account on XX/XX/2022. XXXX sent me many letters let me know even the account was closed the money was on the wells fargo account. I went to wells fargo on the branch XXXX md and XXXX XXXX MD. the customer representative was nice but tell me the money was not there. give me last statement balance. Such statement has many transacction declined because the close account situation. I found on the statement one transaction was not declined. the statement said POSTED that means the money was successfully accredited to the account. The office branch on the XXXX and XXXX XXXX has not managers. you only can talk with agents. It has been very difficult for me to dial with it. I have proof about the statement and I have proof for XXXX  too. if wells fargo account was closed and the money came they are supossed to return money to XXXX. They did not. I hope resolve this issue the best way possible if someone can help me with wells fargo because i am not wells fargo client anymone will be helpful, thanks

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 2022-09-23
Company: Real Time Group, Inc.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Cross referencing of information between the servicer communications and XXXX  assignment list donot match. Customer therefore will like to get a copy of all ACCOUNT STATEMENTS and SETTLEMENT OPTIONS OFFERS made starting from XX/XX/XXXX until the loan charge off date of XX/XX/XXXX. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today ( XXXX XXXX, 2022 ) Midland Credit has already called me twice. The only reason I believe it is for credit problems is because I XXXX  the company. They call me over and over, more than once a day usually. 
I have excellent credit and have never owed any money to any company. Perhaps they have me mixed up with someone else because I have no idea why they keep harassing me with phone calls. I have never answered any and always block the numbers. But they seem to have endless phone numbers to continue calling me. I always report it on the regular " Do not call registry '' to no avail. 
I hope you can take action that will stop this harassment. 
Thank you for your help. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: CO
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 submitted two requests to investigate the validity of this account as well as correct all the inaccuracies that Equifax is reporting on this account. 

My first letter was to XXXX in XXXX XXXX they did not respond. I then sent a letter to Equifax in XX/XX/2022 and no response, I sent a follow uo at the end of XX/XX/2022 and still no response and no correction to the account. 

The problem that I have is not only can I not get anyone to validate that I actually owe this alleged debt. But the way Equifax is reporting this debt is completely wrong. A collection account can not report the account type as an open account which Equifax is. They are reporting a past due amount which per FCRA the past due should be at {$0.00}. The payment status on a collection account should state collection/ chargeoff - Equifax is reporting this " LATE 120 DAYS ''. again another FCRA violation. Lastly a collection account should not report any two year history and of course equifax is also reporting a history. 

This is at least 5 violations. Ive included the letters mailed and the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX Bank said they issued me a credit card back in 2021. The card was sent to a XXXX address in XXXX Ohio XXXX But I never lived on XXXX XXXX in XXXX ohio. I called them in XXXX after checking my credit report and that's how I found out that XXXX XXXX Bank had issued a credit card using my information and the card had been used. They close the account after I called them and started a dispute but continue to red Flagg me through the three major credit reporting agencies. I never applied nor received the card and never lived on 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 2022-09-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am a victim of identity fraud, someone who isn't me has opened up debit accounts under my name. I am unable to establish my own debit account due to others already using my name and SSN to open an account thus now allowing me to claim that account as my own.

Company response to consumer: Closed with explanation