BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
Company: EQUIFAX, 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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) -XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/2014 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Southwest Credit Systems, L.P.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Within the past year, XXXX was removed from my credit report. Now theyve got another company putting it on my credit reports when Im trying to buy a house causing my score to take a dip. Ridiculous. It was removed already. They cant just put it back on. Right?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN : XXXX BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ 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 2019-12-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A person from the number XXXX called me today at XXXX Eastern Time, and said their name was XXXX XXXX, and freely rattled off the last 4 of my Social Security number and my name as if it were not a protected number. I asked for the name of this person's company, and they initially refused to give this information: it was not until I pressed this person calling me about what company they represented that I was told that they were from Portfolio Recovery. I explained that any part of my Social Security number is issued by the United States Government, and should not just be rattled off at the beginning of any conversation, and used as a way to traumatize or intimidate someone. Also this person XXXX XXXX had no problem continuing with the conversation by freely rattling off my date of birth, which should also be protected information, almost as a way to torment or taunt me that she has this personal identity information. This is dangerous business practices and abuse of my personal information, and if they're doing this to me, they are doing this to other people; please help. Thank you.  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-02
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
From  XX/XX/XXXX  through  XX/XX/XXXX , I made  28  payments of {$180.00} to Mohela. None of these payments were posted to my account. They were sent to  XXXX   XXXX   XXXX ,  XXXX  Missouri  XXXX . These were sent via my online billpay service through  XXXX .  <P/> According to Mohela - due to the fact that I had declared bankruptcy, my loan was put into " Bankruptcy '' status and stopped receiving payments. However, instead of returning the payments or notifying me that they were no longer being accepted, Mohela forwarded these payments to "   XXXX   XXXX   XXXX   XXXX   XXXX  , '' as they were the guarantor of the note. Mohela informed me that to recover these assets or have them applied back to my account, I would need to reach out to the guarantor.  <P/> I was advised to call  XXXX . This is a phone number for  XXXX .  XXXX  informed me that they had received no payments from Mohela and that they were not affiliated with   XXXX   XXXX   XXXX   XXXX   XXXX  , other then acting as a servicer. They advised that I should call the  XXXX   XXXX   XXXX   XXXX  at  XXXX .  <P/> This number is ALSO a phone number for  XXXX . When I called that number, the same person who had answered when I called the  XXXX  number answered again. They also advised me that they were not affiliated with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and that they had no record of receiving any funds from Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: FIDELITY CAPITAL HOLDINGS, INC
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2011 I was diagnosed with XXXX XXXX. I had XXXX XXXX performed at the XXXX lab and also had insurance through XXXX. I paid what was left over from my insurance with 3 separate checks and still have the copies that shows XXXX cashed them ( front and back ). They turned me over to Fidelity a  collection agency. I have tried to get them ( Fidelity ) to provide documentation several times, the last time being today and do not receive anything proving I owe the XXXX dollars they say I owe. I have it disputed on my credit report but all that does is cause me problems when I try to make a major purchase even though my credit score is in the high XXXX 's. I have asked XXXX and XXXX to remove the dispute but it still shows up disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
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:
Hello, thank you for any help that you may be able to provide. I have called in to XXXX and have asked that info be updated properly. I even spoke to a yound lady that sent me a letter stating that an account was indeed paid in full and I sent to XXXX, experian and XXXX and my reports have not been updated. I called into XXXX and let them know that I was a victim of their inquiry issue and that there were items that were not correct on my report, I sent in proof and customer service would not help and take care of the negative inquiries reporting to my credit report. <P/><P/>Please help, I am not getting anywhere. <P/>The inquiries are listed as : 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 explanation
Consumer complaint received 2021-11-16
Company: DISCOVER BANK
State: TX
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:
XX/XX/2021 this was the 2nd time my Discover card come up missing due to break-in also I could not log-into the account. 
I call Discover and told them about the problem, -new password was set up Account Center Last XXXX # : XXXX Discover logo XXXX XXXX XXXX XXXX your temporary password for Discover.com has arrived Your temporary password is : XXXX phone number and address was verified also the charges on the account was verified as well. After all charges were verified and dates, the worker from Discover stated that she would be sending out a new card. 
I never received the card therefore, I called into the company XXXX requesting when was the new card sent out. I was told that it was stated on the phone call that the account was open fraudulently, it was stated these are the words I used and due to these word the account was close. XXXX stated that due to the facts an investigation has been set up on the account. It will take up to 90 days to respond, therefore, I am requesting a full investigation about this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. These accounts are reporting information that is not allowed pursuant to FDCPA, FCRA, and US Bankruptcy code. Please delete all negative remarks about these accounts immediately, as that information should not be reporting. Bankruptcy Chapter XXXX Dismissed - - Court US BKPT - Reference XXXX - - Responsibility Individual Bankruptcy Chapter XXXX Dismissed - - Court US BKPT - Reference XXXX - - Responsibility Individual. Bankruptcy Chapter XXXX Dismissed - - Court US BKPT - Reference XXXX - - Responsibility Individual. Bankruptcy Chapter XXXX Dismissed - - Court US BKPT - Reference XXXX - - Responsibility Individual I have called the courthouse and the clerk stated that they don't verify information with the credit bureau. I contacted Transunion today XX/XX/2019, spoke with a rep that stated that the information was put on by the creditor, I asked her who is the creditor and she stated the US Bankruptcy court, which the court advised me that they don't verify information.

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 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX is reporting an erroneous late in XX/XX/2019. They closed the account because I was inaccurately reporting as deceased for some time when it was my husband who passed away. I attempted to call them to pay and was declined and told I couldn't pay it, the account then went past due and was closed immediately after. I spoke to them about it and they gave me a new card and account number but this one is still reporting on my credit. The late was erroneous and not my fault and I need it removed.

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 2017-06-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
Met with  XXXX  "  XXXX  ''  XXXX  personal banker a t Wells Fargo   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl. Phone #  XXXX . Went to the bank to get a  XXXX  stamp to make an assignment of a loan to a mutual fund. I was told that I could not get the stamp because the owner of the assignment was not a bank client. I was told th at Wells Fargo could not stamp the document because the person is not known to the bank. This transaction was the purchase of a car, Wells Fargo do es advertise this service to the public and does not state that it is only for bank clients.

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 2017-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I received a call  from   XXXX   XXXX   XXXX     XXXX      XXXX   XXXX    ,  XXXX , IL  XXXX . A  "  XXXX   XXXX  '' left me a message to return his call at  XXXX , The call was spoofed as "  XXXX  '' I guess to appear as a local number so I would answer. I returned the call and talked to  XXXX   XXXX  and he advised me it was a an attempt to collect on an old  Capital One  credit card debt. I advised him I did not wish to speak to him about and and asked he not call me any more and he kept pushing me telling me to handle my responsibilities, get out my check book and the whol e nine ya rds. he just refused to accept that I did not want to speak to him. My issue wi th Capital One  is between myself and them. If they have chosen to sell the debt some day i  may  be able to resolve it. My complaint is this guy just continued to badger me over and over. He claims it was recorded. Please ask for the recording. the call was from  XXXX  which is my cell phone and i was at work. I do n't believe that spoofing numbers is allowable under the FDCPA Sectio n 807 : A debt collector may no t use any false, deceptive, or misleading representation or means in connection with the collection of any debt. I also think that the continual repetition of " taking care of my obligation, get my check book '' and general attempts to badger me simply because I refused to talk to him could be construed as a violation of sectio n 808 as well : A debt collector may n ot use unfair or unconscionable means to collect or attempt to collect any debt.  <P/> I want the calls stopped and I want an investigation into the violations I cited above

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Flatonia Investments, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Good afternoon, I need to know my rights concerning receiving statements concerning my mortgage. My mortgage was transferred to another company starting in XX/XX/XXXX. However we were on a repayment plan and made the final payment to the prior mortgage holder and they did not take the payment they sent it back. So we contacted the new mortgage holder to ask what to do and they could not tell us anything, so they sent a packet with 3 months of payment slips to mail in with our payment for which we did and did not receive any statements at all and still havent received any. So I called to get the loan number to make my additional payments and that was when I was told we were placed in Loss Mitigation and of course I was shocked and informed them that we did not have any clue of this, so of course we talked to the old lender and was told if we made a payment of XXXX on XX/XX/XXXX then our account would be current of course when we called to make that payment we were told that we are still 2 months behind. Still no statement, so then we were told that we could do yet another repayment plan but of course when we called to set that up we were told we could not. So my question were they not suppose to send us statements, how else are we suppose to know our status. Also I was told they put a stop of some sort on the statements and that did not make any sense to me. If so what are our rights?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I called Discovercard to find out what the " DiscoverPaymentProtection '' fee was on my account. I found out that I had been enrolled in this program since XX/XX/XXXX. I asked what is was and after they explained the plan to me, I said this might have been helpful to know when I had been out of work for almost 2 years and had to take time off to care for my mother during her XXXX/recovery from them XXXX her XXXX XXXX. I asked how I was enrolled, but after this period of time, they would not have any records of how I was enrolled. The agent stated that I would have been notified once or twice a year in the mail, but I stated when I receive anything from Discover it is usually Balance Transfer checks and I just shred them immediately. Anyway, I asked since I was not made aware of this, was I able to get the fees returned. She said if I cancel, they would refund me the most recent statement of {$130.00}. I asked if there had been a Class Action on this. After a few minutes on hold, she advise there was, but that I was not put on it and would n't have been notified. I asked why and she said she did n't know. I asked for the information and was directed to this site. I was n't sure what to do, so I am submitted a claim. I just want the fees returned. I did not know about it and if I knew, I would have needed it back when I was unemployed for about 2 years struggling and during the 3 weeks I was caring for my mother.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-11
Company: Experian Information Solutions 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:
I have been disputing this account please help me get this resolved. 

XXXX XXXX XXXX {$370.00}

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 2022-04-26
Company: EQUIFAX, 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:
I, XXXX XXXX, a federally protected consumer, am filing this complaint against XXXX XXXX XXXX and there is no third party involved. I have sent out a letter to XXXX XXXX XXXX mailed certified dating XX/XX/XXXX. XXXX XXXX XXXX is in violation in regards to the information being furnished on my consumer report. I, the consumer, never gave XXXX XXXX XXXX any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following fraudulent inquiries from XXXX XXXX XXXX. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. XXXX. XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If XXXXXXXX XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be remove from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I will hold XXXX XXXX XXXX CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( XXXX ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO XXXX XXXXXXXX.

Company response to consumer: Closed with explanation