BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-04-21
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The Cash App keeps claiming that the transfer of {$50.00} out of the app to my XXXX Checking account was declined by XXXX XXXX. I tried to do this transaction three times, XX/XX/XXXX, XXXX, and XXXX. When I contacted XXXX XXXX  they stated that they had not declined any transactions. I have a secure message from XXXX dated XX/XX/XXXX stating that no transactions were declined by XXXX. I will enclose that in this complaint. 
ON Friday XX/XX/XXXX XXXX Cash App email support claimed that my funds were transferred to my debit card which I don't understand. I was sending my funds to my checking account, not a debit card. On the Cash app the banking information is correct for my checking account. Two days later the funds are not transmitted, and the app states it is declined. I have contacted cash app email support but now they no longer respond to my requests to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Barclay card agreed to remove fraudulent account information then 4 months later started reporting again and sold the debt to a collection agency. A complete identity theft report has been mailed to both companies by certified mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I would like to seek your kind intervention as since 2017 I am struggling to open a checking account. Bank of America fraud dept had reported a scam cheque deposit on my account which never cleared nor cashed. And fraud team member without even any investigation went ahead and reported to XXXX XXXX. Since then I have been unable to have a decent checking account for my paycheck direct deposit. I have been keeping a prepaid debit card account so my paycheck could be deposited. I reported this on the past and was advised that Bank of America representative would be in touch. However I never heard from them. I also spoke to XXXX XXXX  and they advised that they dont see any fraud which had occurred and neither was there any financial loss reported. XXXX Bank of America have to just send XXXX a fax with my details and remove it off so I can open a checking account. I several times spoke to BOA on phone and also visited theirs branches here in XXXX XXXX and was informed that they would get it fixed and call me. This never happened. I seek your assistance once again as I am a flight attendant and due to my work ay times having a prepaid debit card causes inconvenience internationally when i require atm services and any financialasisstance. Also every year I go through a lot of issues when I have to write a cheque or cheque for my annual lease renewal and rent payments. 
I request your kind intervention at your earliest convincer and help me get this fixed. 

Sincerely XXXX XXXX Cell : ( 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 2018-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( XXXX ) XXXX XXXX XXXX Account Number XXXX. ( XXXX XXXX ) XXXX XXXX XXXX  Account Number XXXX ( XXXX ) XXXX XXXX XXXX Account Number 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 2018-07-27
Company: Resurgent Capital Services L.P.
State: KY
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:
XXXX XXXX has a collection account on my credit report that is not mine. I have requested proof of debt 4 times. Including certified mail. I have not received any response from them. When I call them I get bounced around and can never speak to anyone. This is not my debt. I'm not sure what other steps I need to take. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Experian Information Solutions Inc.
State: AL
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: Was not notified of investigation status or results

Complaint:
Over 45 days ago I sent in a dispute to the 3 consumer reporting agencies for reporting incorrect information on my report. Because of this mistake on my report it has caused me be turned down for employment opportunities. According to what I read on your site it is the responsibility for you to protect the consumer and I dont feel that is happeneing. I ask that you hold the bureaus accountable for ignoring my request and do something to help me. This has caused stress on my marriage because I have to be able to take care of my family and I need this to be corrected as soon as possible. I have waited and waited and all I keep hearing is the 30 days well its past that so now what??

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 2022-07-16
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I have issues with some addresses on my credit report that I never lived at these addresses, it is possible that they belong to a family member or friend but never my physical address belonging to me. please delete the following addresses : XXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXX  XXXXXXXX XXXX  XXXX OHXXXX XXXXXXXX XXXX XXXX OH,XXXX  My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I wrote XXXX about this dispute, but got no response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Experian Information Solutions Inc.
State: TN
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 Have a Right to Privacy and to know what's being reported to the CONSUMER REPORTING Agency. 15 U.S.C. 1681a. It states a CONSUMER reporting agency can not furnish an account without my written instructions. I have not given any written consent to put anything on my CONSUMER report the law also states that the information got to be XXXX percent accurate. XXXX XXXX # XXXX, are violating my rights I have asked them to stop showing my transaction history and my payment history a credit report is a CONSUMER REPORT and base on the law 15 U.S. Code 1681a ( 2 ) ( i ) a CONSUMER REPORT DO NOT INCLUED transaction history which is credit utilization and experiences which is payment history between the consumer and the creditor. By reporting this information you have made this account and my CONSUMER REPORT INACCURATE because you know this already your in violation of 15 U.S. Code 1611 ( 1 ) you are giving ON PURPOSE FALSE and INACCURATE information. The reporting of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. YOU ARE HEREBY PUT ON NOTICE that you are furnishing inaccurate information. After this letter if you do not remove my transaction history and payment history like I have ask and written today you will be receiving a subpoena to court for all the violations and damages you have caused by not following the law 15 U.S.C 1681 ( s ) ( 2 ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/21 Wells Fargo contacted me regarding 2 transactions equaling XXXX dollars. I explained to them that they were not transactions that I authorized. They said that they will file a dispute for both of those transactions. I was told it would take 10 business days. So I gave trust my bank would help me with the transaction with both parties understanding that they are fraudulent. I called to see an update on XX/XX/21 which was a Friday.. They started to ask me the same questions again which I answered honestly once again! 

On XX/XX/21 Which was a Saturday I received an email from them stating my case has been closed .... But it didn't explain if that meant if it was denied or approved. 

I called XX/XX/21 and asked about the status which the claims department decided that neither transaction was fraudulent on their end. This is not right as a consumer that got a phone call from said bank denied his money even though Wells Fargo knew that these were not transaction that I made. 

Please help me get my hard earned money back.

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 2018-01-26
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is the second XXXX XXXX XXXX XXXX XXXX home security system collection company I do not owe this money I made a change of address they made a mistake I followed up with the service I do not understand why they charge thousands of times and they assured me that there was no debt and they are sending me to collection i try to call direct to XXXX XXXX but the fool me is too much

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: PRONTO FINANCE INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a car loan with Pronto finance. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) back in XXXX the car was repossessed, my wages were garnished for the balance, and the account was closed. The loan company continues to report this account as a new account, owing to a balance. This is not true, and the account should have been removed from my profile several months ago. They are using this tactic to interfere with my ability to get approved on other things. This is an unfair practice and is impacting me tremendously. They reported it as close to one credit bureau but will not send the information to all three.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent 2 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 

2. Failed to provide copy of the original contact bearing my signature. 

This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/XXXX2019, this company contacted a third party before I ever received any communication from them. Received a letter from them dated XX/XX/XXXX19. I responded to them on XX/XX/XXXX19 through written communication. Explained my dispute on the collection and requested that I be exonerated of all charges. I never received any other communication from them. I noticed on my credit report that there was a report for the same account from another collection agency. Until I disputed it through XXXX  XXXX  in XXXX, I hadn't had any communication with this company. After they received the dispute is when I received my first letter from them. So, the first company sold my account to the next collection company. I responded to them also, and also went back on the first company regarding them selling my account. No response from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: LoanCare, LLC
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For a year I have honored and completed a payment plan with LoanCare. This plan was originally set up with XXXX ( not the subject of this complaint ) with my then attorney. 
That agreement XXXX XXXX XXXX was in place when Loancare received the mortgage from XXXX. 

However, Loancare has refused to honor this legal agreement and continues to keep my account in collection, despite every single payment having been made on time since they acquired the loan. As they have never sent an accurate statement, this has been a challenge. 
I have bank records of these payments and phone recordings of my monthly discussions with LoanCare representatives chronicling this ongoing issue. 
For over a year I have dealt with the inability to make online payments and the inaccurate monthly bill for over XXXX in late mortgage payments with Loancare telling me that they need more " paperwork. '' LoanCare would not accept documents from me without my spouse 's signature - however she was not and is not on the loan. She signs, noting " not on loan '' each time and had asked for a simple explanation of why her signature is required. They will not explain why they keep resending paperwork even with both signatures. 
I have received several modification packets from Loancare claiming we are in default - each time I have signed, notarized, and returned them, feeling I had no other choice - knowing I was being treated improperly and suspicious that LoanCare is attempting to change terms. 
This is harassment. We've been extremely tolerant until now, but we are prepared to continue to take action against Loancare and XXXX XXXX XXXX attorney to Loancare ) for duress, continuing to harm my credit rating, continued harassment via email, mail, internet and phone.

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