BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: VA
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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: NY
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:
Hello, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. I did not approve it to reflect on my credit report. I believe I am a victim of identity theft. I have a security lock on my credit report and was not informed or alerted of this unauthorized items. 
I have reported the theft of my identity theft to Federal Trade Commission 's, please review the enclosed copies of the Federal Trade Commission 's identity theft Affidavit in regard to this incident ( ftc report # XXXX ). In addition I have attached pdf document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. These items are fraudulent and they have devastatingly impacted my relationships with creditors. Please investigate these matters and remove/delete the disputed items as soon as possible. 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 non-monetary relief
Consumer complaint received 2020-08-11
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX woke the debt to a company. There phone number is XXXX XXXX XXXX XXXX. They left messages on my phone and two of my family members phone saying that they have certified documents for me. I have the recorded message. The debt is {$200.00} and I am working with the original creditor. This company is impersonating as a legal entity and in violation of the law. I called and they refused to remove my number from their system even after I stated that I was working with the original creditor. I have no idea the name of the company and only know that their number is XXXX XXXX XXXX XXXX. I have a copy of the voicemail if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a missed call from IC Systems regarding a collection account. I returned the call to gather some information from the agency. Upon contact with the agencyi was treated like the scum of the Earth. I simply requested validation of the debt from the agent and was told it was previously sent out. I asked how could it have been sent if this was my first contact with the agency. The agent proceeded to inform me validation was sent on XX/XX/2017. I advise the agent I had n't received any communication from their company and again this was my first contact. I informed the agent whatever she claims was sent was the first notice NOT validation of the debt. I also informed the agent I have a right to request validation of the debt and by law the agency had to provide it. The agent became very argumentative and upset. I then requested to speak with a supervisor and the agent hung up the phone. The phone call requesting money for an unknown debt after knowingly sending out a notice that i have not received is a violation of the FDCPA ; clearly overshadowing..

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 2016-02-10
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Late fee

Complaint:
In XXXX XXXX, I closed my BILL ME LATER account. 
I made a purchase in XXXX XXXX for {$12.00}. This was somehow charged to PAYPAL CREDIT not my PayPal.com account. 
The {$12.00} charge grew to {$27.00} in late charges, because I did n't know I had a PAYPAL CREDIT account. I suppose it was because I CLOSED THAT ACOUNT SIX YEARS AGO! 
I was able to speak to someone at the PAYPAL CREDIT company, waived the FEES and pay the principle. I CLOSED THE ACCOUNT AGAIN. Fingers crossed this time it sticks. 
Recently PAYPAL was fined and ordered to improve its disclosures for PayPal Credit. They clearly have not done so. 

Regards, XXXX XXXX XXXX XXXX, California XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Sequium Asset Solutions, LLC
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:
On about XX/XX/XXXX, I got notification of a collection on my XXXX  credit report from Sequium Assets, asserting that I owed a {$170.00} bill to XXXX XXXX. I have never had a contract with XXXX XXXX, and my contract with XXXX subsidiary XXXX XXXX is fully paid. 

I have never received a paper bill or demand for {$170.00}, nor has XXXX  tried to contact me. 

I contested the collection with XXXX, and it was immediately taken off my XXXX  report. Today, XX/XX/XXXX, I got notice that XXXX  had decided that the collection was legitimate. I am trying to contest the collection so that all my credit reports will match. 

Having done some research, it looks like this debt collector is a serial problem. I'm wondering how to proceed, because their website asks you to give them more information than I'm comfortable with to register a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: First Credit Services Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: Paypal Holdings, Inc
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PayPal is having a glitch where the available account balance on many of their customer 's accounts is not reflecting the sum of the incoming transactions, thereby making it impossible to withdraw the full amount of funds in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On three seperate dates I 've mailed the CRA 's a letter as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), 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 Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. ( I have left out the accounts for privacy reasons ) 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 a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I have not received any such documents as of this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I am writing out of concern for the DOJ investigations in hackings against Scottrade and others. 

Specifically, I know for a face, that Scottrade was informed of their cyber security vulnerabilities through numerous Whistleblower tips submitted to the SEC, some of which were forwarded to Scottrade for review. 

I know this because I 'm the one who found the flaws, including the heart bleed vulnerability, and reported them to the SEC more than two years ago. 

The failure of the SEC and Scottrade to understand the technical disclosures led to over XXXX XXXX customers being breached and I do not take this lightly. 

Please contact the SEC and request all complaints against Scottrade and you will quickly find that their failed cybersecurity infrastructure and corporate culture was reported by myself and others numerous times, before a hack even occurred.

Company response to consumer: Closed
Consumer complaint received 2015-11-05
Company: Empowerment Ventures, LLC
State: PA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have a prepaid rushcard, I have n't received my last XXXX paychecks. Every time I call they apologize and guarantee that it will be fixed by XXXX XXXX but it 's lies. I have n't received my money since XXXX/XXXX/15 and I have a shutoff notice for my electric tomorrow and my rent is late. I need help please

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11
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: 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 {$250.00}. 
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 ) --  COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$250.00} -This is not my account.

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 2016-05-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Please remove this credit info from my credit report. It is not mine ... 
I was alerted today that I have a credit card from XXXX XXXX, with a {$1000.00} credit limit, which was opened XXXX/XXXX/XXXX ... with no derogatory information - never late and completely paid off ... but is now an inactive account. 
I have no idea who this card belongs to, but it is not mine. My credit score dropped XXXX points today ( within one week ) and I have no idea why or if this is the reason - FRAUD!!!! 
In addition, you report that my oldest account is only 1 year and 4 months old. This is absolutely inaccurate, too. Please contact XXXX and they will tell you that I opened an account with them on XXXX XXXX, XXXX. This is almost 2 1/2 years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Back in XX/XX/2021, My husband and I were both out of jobs due to XXXX. 

Wells fargo was not understanding and after going back and forth numerous times, took the vehicle. They were not willing to work with us. It was quite the contrary, they were extremely mean about the situation.

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 2020-08-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Delta Management Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Delta Management has contacted me via letter stating they are my student loan collection agency and will garnish my wages. I have told them not to call me at work and they have sent fax and called wanting employment verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at Scottrade Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XX/XX/2013 ( XXXX XXXX ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XX/XX/2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via HTTP or HTTPS, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.

Company response to consumer: Closed
Consumer complaint received 2022-01-28
Company: EQUIFAX, 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 am a victim of identity theft. I previously had this fraudulent debt from XXXX XXXX removed by the collection agency, XXXX in XXXX of XXXX. Now another debt collector has unlawfully placed the debt in my credit report. The medical debt is the result of identity theft. Identity theft report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
Grettings, I have a problem with my credit report, because I was disputing all my errors and the credit bureaus didn't remove them. I sent 4 rounds to all the credit bureaus such as : Transunion, XXXX and XXXX, but they didn't answer me. I want to remove the inaccuracies, inquieries that I don't authorized them, and negative accounts.

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 2017-02-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
We have sent the bankruptcy forms to the credit agency and the accounts do not show paid they show and outstanding balance and the mortgage account shows foreclosed and it was included in the Chapter XXXX bankruptcy with both mortgages on our credit .On XX/XX/XXXX, we filed for chapter XXXX bankruptcy, at the time we surrendered our house back to XXXX XXXX XXXX , previously XXXX XXXX XXXX XXXX XXXX our mortgage loan. XX/XX/XXXX, during our chapter XXXX bankruptcy XXXX XXXX XXXX sold our loan to XXXX on XX/XX/XXXX. XXXX foreclosed on our house in XXXX of XXXX. Our bankruptcy was XXXX in XXXX XXXX, XXXX. Now XXXX XXXX XXXX is reporting our mortgage on our credit report and XXXX is reporting it as a foreclosure XX/XX/XXXX. Our credit score has dropped XXXX points since XXXX started reporting the foreclosure XX/XX/XXXX. Please help us, this mortgage was included in our chapter XXXX bankruptcy and is the only reason we filed. It was our understanding that the mortgage loan was supposed to be marked in bankruptcy on our credit report. Our credit score has taken a hit with the Chapter XXXX bankruptcy ( the house loan was included in the bankruptcy ), and now we are taking another hit with the foreclosure reporting ( it is not being reported as included in the bankruptcy that has been discharged ). XXXX XXXX XXXX and XXXX are both reporting the same mortgage loan that was discharged in the bankruptcy on our credit report. I am attaching documentation supporting our bankruptcy. 
I am attaching several of our bankruptcy forms to support our story. We hired XXXX to help us with this situation and still have not seen results from any letters sent to the credit agencies. We do n't know where else to turn. We have spent many hours trying to get help with this situation. 
Our contact information is XXXX XXXX SSN # XXXX XXXX XXXX SSN # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Email : XXXXXXXXXXXX XXXX loan # XXXX XXXX loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you for assistance in this matter. 
XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-06
Company: Empowerment Ventures, LLC
State: WI
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
On approximately the first week XX/XX/XXXX I filed a dispute complaint of fraudulent charges with Rush Card. During the investigation, they stopped usage of my current debit card and issued me a new card. Upon receiving the new card, the company was in the midst of a very large upgrade to their services. When I went to activate my new debit card, it would not accept the information via telephone to activate the new card. Upon logging in online, I noticed that the new card displayed online on my account did not match the one I received in the mail. Due to the large epically failed overhaul, I was not able to reach customer service via telephone for the first 24 hours. During this time, I sent an email and was issued a ticket number and an automated response saying they would respond within 12 hours. As of XXXX/XXXX/2015, I still have not received a response. I have gotten thru to customer service after several failed attempts and was given a response that " I need to wait for the website overhaul to finish and the account numbers would be updated. That never happened either. I have been put on hold, hung up on, passed along and still can not access my XXXX payroll deposit that was put in my account on XXXX/XXXX/2015. I talked to customer service last night and they were going to issue me a pin number to resolve this issue but they hung up or disconnected before I could receive the number. I have faxed, called, and emailed numerous times and to numerous affiliates and hit a dead end everytime. I have reached the end where this is no longer acceptable customer service. 
After weeks of run-arround and dead ends. Rushcard customer service states that 1. They do not have access to accountholders information and when requesting to consult with supervisor, I was transferred to a person who was able to access my account info but still could not resolve my problem. I have paid {$30.00} for an expidited fee for a replacement card that was blocked before I even received it, and not offered a refund of that {$30.00}. It is XX/XX/XXXX15, and I still can not access my money on this account. Rushcard has no problem deducting fees from the account but claim they can not perform a card to card transfer on their end, even though we have record of them doing this exact thing.

Company response to consumer: Closed with monetary relief