BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : WAKEFIELD Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLIANCE.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: EQUIFAX, INC.
State: LA
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 have talked to Equifax, XXXX, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 submitted a complaint through this portal ( XXXX ) in regards to XXXXXXXX XXXX. I received an email from the Director stating that there is not an account in my name that could be located and can not be validated. In turn, this company does not appear to be licensed to collect in the state of Indiana.

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 2022-07-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit card was lost or stolen. I called and reported my card as stolen. 
Somebody stole my credit card. When my statement came I saw there were transactions that I have never made. I reported my card as stolen, but the transactions and the balance were never removed from my name. Now, I am in dealing with Midland Credit Management as they are charging me for transactions that I never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase Bank deducted {$970.00} ( XXXX XXXX XXXX dollars ) from my checking account from an obviously altered check. I mailed a check for {$170.00} ( XXXX XXXX XXXX dollars ) at the post office. The check was stolen from the mail, the payee was whited out and changed to XXXX XXXX and the amount was altered from a one to a nine, thus resulting in almost a XXXX dollars being deducted from my checking account on XX/XX/XXXX. I discovered the fraudulent activity the next evening. Around XXXX pm on XX/XX/XXXX, I contacted Chase Bank 's claim department and filed my complaint. The lady I spoke with said the investigation and return of my money could take 30 days. The branch manager where I have my account in XXXX, Ohio said the funds would likely be returned in 3 days and the investigation would follow. So I called the claims department again two weeks later and spoke with 3 people including a manager named XXXX who said she would escalate the investigation, but it could take up to 30 days from my original complaint. I called the claims department XX/XX/XXXX and spoke with XXXX and he said to wait a few more days and call back. On XX/XX/XXXX I called the Chase claims department again and spoke with XXXX. She said the same thing XXXX said, that an email would be sent to escalate the investigation. I still do not have my money. The check is clearly fraudulent. It is CHASE 's error. The person to whom I mailed the check has camera 's outside the home and said no one took mail out of the mailbox. So the letter containing the check was stolen from the XXXX Mail, and according to XXXX, was deposited at the ATM at the Chase branch at XXXX XXXX XXXX in XXXX. So Chase knows where the check was deposited. I really need my XXXX dollars back and I have waited well beyond the 30 days all parties at Chase indicated was the time to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
the account ( letter attached ) has an inaccurate late reporting on my credit reporting agencies all three. 
i have received a letter from XXXX XXXX XXXX itself stating that this inaccuracy must be removed, please help me to have this removed from credit bureaus. 
thank you

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 2022-06-17
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act Account number # XXXX ( XXXX XXXX XXXX ), 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 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 2022-01-17
Company: CARD Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Someone stole {$360.00} off my card and Card.com made an investigation and said I didnt steal my own money but they cant give me back my money and they close my keys so I lost {$360.00} and its not fair to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: MD
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 this complaint to this company and have not received the desired results. Based on the information provided, this company should remove all late payments listed in the documents provided. According to 15 usc 1681b, My written instructions are necessary to furnish this information and to also create change where i see fit. Please assist myself and this company with remedy, this is indeed my FINAL attempt at civil mediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Experian Information Solutions 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 information incorrect

Complaint:
After properly, lawfully disputing and deleting four credit items/accounts within my Experian credit file/report, Experian illegally, discretely and systematically re-inserted the same four credit items/accounts despite the guidelines established within section 611 of 15 U.S.C. 1681i, the Fair Credit Reporting Act ( FCRA ). Below are the accounts re-inserted by Experian in addition to a quick rundown of key dates and actions taken by such XXXX XXXX XXXX ( CRA ) : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. 
On XX/XX/2019, Experian deleted the five accounts referenced above from my credit report. However, the issues started on XX/XX/2019 when Experian began re-inserting the same accounts into my credit report. Pursuant and dictated under the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), each consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Experian miserably failed to perform this action in violation. On XX/XX/2019, although not being disputed, the accounts identified as XXXX XXXX   and XXXX were re-inserted into my Experians credit report. Systematically, on XX/XX/2019, although not being disputed, the accounts identified as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were re-inserted into my Experians credit report. Finally, on XX/XX/2019, Experian deletes the account identified as XXXX XXXX XXXX XXXX from my credit report for a second time in less than a six-month period.

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 2018-07-04
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report and I saw a have a collection account for some type of medical bill for {$270.00} from XX/XX/2012. I have never received any type of letter from any hospital or doctors office for this. Every time I go to the doctor I pay my deductible no matter what service I am getting performed. I have never received a letter via mail or email regarding this collection on my credit, just today that I tried the free trial with XXXX to check get a free credit score report. 
The company it states on my credit report is called Amsher Collection Services in Alabama, I live in Texas. I just don't this company maybe a scam company, affecting my credit when I do not owe anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Fay Servicing, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I continue to receive calls from Fay Servicing despite me being current. I was on the phone with a representative today, XX/XX/2022, between XXXX XXXX AM EST. The representative I talked to was being rude and accused me of calling to start a fight when I called to inquire about why I received a letter that even mentioned the word " foreclosure ''. I was understandably frustrated. I was also very transparent and shared that the company does not have good reviews on either XXXX or XXXX. I was honestly hoping to receive some type of reassurance that my mortgage was in good hands. The rep I spoke with has left me feeling even more concerned. 

My mortgage was transferred to Fay Servicing on XX/XX/2022, from XXXX XXXX. Under federal law, I have a right to a 60-day grace period in which I can not be considered late or anything. I paid my mortgage recently. Twice... .two payments. During the window, I kept receiving calls from Fay Servicing which should not have been happening. Furthermore, when I first registered with Fay Servicing online, the dashboard said I was XXXX days late dating back to XX/XX/XXXX but the loan didn't actually transfer until XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating that I have delinquent payments. Fay Servicing has a reputation for foreclosing on people 's homes unjustifiably. It is my understanding that they recently faced a lawsuit. 

If I am being overactive in my approach, my apologies. I will rather be overactive and proactive than inactive and reactive, especially when it comes to my personal affairs which include my home. My home is my biggest and proudest investment and I can not stand idly by to watch an incompetent lender with a terrible reputation prey on the very thing I worked so hard for. 

I look forward to talking with someone soon to get clarity and assurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Mr XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed {$840.00} and {$24000.00} from my checking account. I gave them the wrong number. They would not let me change the number. I thought they would reimburse me {$24000.00} in a couple days. They said I owed them {$250.00} for some product. My money did not come back in a week. I did not give them my bank account number. They already knew it. I reported it to my bank. This transaction occurred on XX/XX/2020. The bank said it could be available on XX/XX/2020 or sooner. I spoke to my bank about the transaction. I changed my password. I was referred to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: AZ
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, 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like for the credit bureaus to remove all fraud alerts on my credit profile unless I call or send in any letters saying so. I am tired of being embarrass when I apply for new credit. It is ridiculous to always be denied and not instantl approved of credit because my fraud alerts. Please remove them now within 24 hours of receiving message. Also please remove any address, names, social securities. I also want to permanently opt out of any marketing advertising and please do n't sell any of my information to any creditors or any companies or you will face consequences in court against me. Remove any employer information that is on my credit report. Please send me a newly revised credit report from all 4 credit bureaus with updated information. I did n't give any consent for any inquiries on my credit report. Show me your verification process and how these inquiries were placed on my credit report? It 's so much XXXX that goes on with in credit and you guys try Remove them as well, all inquiries please XXXX XXXX, XXXX/XXXX, XXXX, XXXX  XXXX, XXXX. Please prove your verification process please send me information on how you verify information please. I need step by step. I have filed complaints online and certified mail to FTC, XXXX County Courthouse, BBB, an Affidavit that will be sent over to you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
See Attachments Please For Dispute Issues

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11
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 fraud alerts or security freezes

Complaint:
I would like for the credit bureaus to remove all fraud alerts on my credit profile unless I call or send in any letters saying so. I am tired of being embarrass when I apply for new credit. It is ridiculous to always be denied and not instantl approved of credit because my fraud alerts. Please remove them now within 24 hours of receiving message. Also please remove any address, names, social securities. I also want to permanently opt out of any marketing advertising and please do n't sell any of my information to any creditors or any companies or you will face consequences in court against me. Remove any employer information that is on my credit report. Please send me a newly revised credit report from all 4 credit bureaus with updated information. I did n't give any consent for any inquiries on my credit report. Show me your verification process and how these inquiries were placed on my credit report? It 's so much bs that goes on with in credit and you guys try Remove them as well, all inquiries please XXXXXXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX. Please prove your verification process please send me information on how you verify information please. I need step by step. I have filed complaints online and certified mail to FTC, XXXX County Courthouse, BBB, an Affidavit that will be sent over to you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TransUnion 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 explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax is refusing to allow me to place a freeze. It is insisting on a written request. The information it is wanting me to submit in writing is no different than what was already provided on the online form. It provides no explanation. My wife and I are both working on the accounts. One went through no problem ( same addresses, etc. ). The customer help phone number simple says that department is not available. How much more damage would be done while waiting for the written response? Who will compensate me for all my lost time working on this issue? When did I ever opt-in to be an Equifax customer? I am damaged by this. I expect California to file suit against Equifax to recover the damage. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: ECMC GROUP, INC.
State: MI
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 loan was applied for in my name in 1990. Since then I have been unsuccessful with removing it. Ive even called the Debt Collector and explained to them what happened and they would not listen to me, instead they kept offering me a settlement.

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 2022-06-17
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Huntington National bank will not allow me to access money on my debit card on XX/XX/22. When used in the store, my card is being denied. I could not take my money out of the ATM.

Company response to consumer: Closed with explanation