BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: WELLS FARGO & COMPANY
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX BANK # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, WELLS FARGO XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, BANK XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, 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 XXXX XXXX SC XXXX These inaccurate reporting account an comments Is a violation To The law. 

Comments : Payment after charge off/collection Paid profit and loss Unpaid balance reported as a loss by credit grantor. 
Amount in high credit original charge-off amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verificat
ion as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

account number XXXX XXXX XXXX XXXX XXXX {$21.00} ( Paid ) In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
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:
Recently I suspected that my identity has been stolen due to the amount of calls and emails I receive about accounts and collects that do NOT belong to me. I also am aware that my information was exposed I about 5 different data breaches. The 2014 XXXX data breach, XXXX data breaches, and Equifax XXXX XXXX. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: First Choice Assets LLC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A person calling from XXXX ( XXXX/XXXX/15 ), claiming they are debt collectors, are calling every day. When I answer the phone often hangs up. I called it back, a man answered and asked for my address and last XXXX of my social security number. When I refused and asked for verification he said that he could not give me any information without my last XXXX. He said that this matter was very serious and that I needed to get it settled. He told me to call back after I was ready to verify my last XXXX. He asked to confirm my address, the address he stated was incorrect. I hung up. This number has called several times. Previous numbers include XXXX ( XXXX/XXXX/15 ), XXXX ( XXXX/XXXX/15 ), XXXX ( XXXX/XXXX/15 ). there are also several XXXX numbers calling, I think from the same people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was alerted by my identity theft monitoring program that a creditor placed an account in collections with all XXXX credit bureaus. This is the first I 've heard of this company and this debt. The creditor has never contacted me or informed of any such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: EQUIFAX, 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:
There is a XXXX XXXX XXXXXXXX collection on my credit that I never had and a XXXX inquiries on my credit and I never applied for a car both are keeping me from getting a job

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I did not not transfer a loan to Ocwen. Ocwen did not give me anything. 
I paid indy Mac to payoff a mortgage at XXXX XXXX XXXX in XXXX. I paid XXXX XXXX XXXX to pay off a mortgage at XXXX XXXX. 
I have so far paid the {$510000.00} that paid off the original 30 year, 6.5 %, {$220000.00} loan. Plus the {$57000.00} down payment I made in XXXX. In XXXX commerce bank gave me a {$36000.00} line of credit to payoff a {$7600.00} credit card balance. XXXX gave me a {$35000.00} line of credit to replace the {$11000.00} I owed commerce bank now I owed {$18000.00} to XXXX. 
With {$16000.00} remaining credit. 
Duplex refinance. 
{$60000.00} loan pays off {$41000.00} and {$18000.00} XXXX balance. 
But XXXX does not have a lien on my duplex. XXXX did not have a lien on my duplex. 
I owe XXXX XXXX {$60000.00}. I owe XXXX {$0.00} I owe XXXX {$0.00} I have a {$35000.00} line of credit and a {$220000.00} first mortgage. 
Indy Mac used the {$35000.00} to pay {$44000.00} - {$7000.00} = {$36000.00}. 
I owe Indymac the {$220000.00} mortgage + {$35000.00} 2nd mortgage + {$60000.00} {$320000.00} With {$260000.00} balance with {$28000.00} credit to pay {$4400.00} escrow = {$23000.00} + {$60000.00} or {$82000.00} with {$23000.00} credit remaining to pay 4.5 years of taxes and insurance {$230000.00} paid to Indymac. 
{$62000.00} paid to XXXX XXXX {$290000.00} paid. 
{$97000.00} interest due ( {$130000.00} reported. ) {$38000.00} escrow disbursed ( in the loan ) - {$4800.00} paid to midland. 
{$33000.00}. 
- {$1000.00} surplus {$32000.00} total escrow. 

{$97000.00} {$120000.00} total costs from {$290000.00} {$160000.00} paid to principal. 
{$260000.00} balance XXXX {$99000.00} total balance due with {$53000.00} due to XXXX XXXX {$45000.00} due to Indymac {$100000.00} + {$10000.00} escrow surplus {$120000.00} paid ( + duplex foreclosure ) interest taxes insurance {$60000.00}. 
{$60000.00} overpayment + duplex value {$140000.00} paid - {$53000.00} = {$91000.00}. ( Buyers mortgage ) XXXX They owe me {$150000.00} PLUS duplex XXXX My balance is {$0.00} Bankruptcy {$630000.00} debt discharged ( for {$140000.00} balances of which {$80000.00} was extinguished {$270000.00} remaining balance is credit. Of which {$220000.00} is prepaid XXXX = {$150000.00} remaining PREPAID credit PLUS the {$150000.00} they owe me is. {$310000.00}. 
I OWE {$0.00}. they owe me $ XXXX.PRINCIPAL balance plus a duplex! 




The total of credit lines was {$250000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I was informed from my credit monitoring service with XXXX that my personal information was listed on the Dark Web. A few weeks later, I was alerted about some new inquiries on my credit report. I reported the incidents to the FTC and created a report to submit to the credit bureaus that reported the information. The unauthorized inquiries are still reporrting on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
ENHANCED RECOVERY CO has damage my financial life by reporting falls information to the credit bureaus for an account is not even mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-09-12
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Around XX/XX/2022, I made an extra payment of {$100.00} my XXXX XXXX XXXX store credit card, which is administered by Synchrony Bank, and requested that it be allocated fully to my purchase who's interest-free promotion is over at the end of XXXX, 2022. I have made 3 phone calls, and have spoken with 3 separate representatives, and instructed them to perform this allocation as requested. I have received a letter from the Synchrony Bank stating that the request has been processed and have received verbal confirmation as well that the request has been processed. The most recent request, which was verbally confirmed, was on XX/XX/2022. None of these requests have been processed as requested. 

The {$100.00} payment was split between the two purchases on the card. The other promotion doesn't end until next year, so this extra {$100.00} payment didn't need to be split. I do not want to be charged the accumulating interest from the XX/XX/2022 promotion, so I am trying to pay it off. I feel like Synchrony Bank is purposely failing to complete my request as instructed so that they can charge me the interest associated with this promotion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A bankruptcy was filed in XXXX. I was a Victim of identity theft and was unaware until XX/XX/XXXX. I have provided court documents to all three bureaus with no resolution. I would like to know that this attempt actually results in this item being removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the 3 bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below are the accounts that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : 1. MEDICAL DATA SYSTEMS I XXXX Date Opened XX/XX/2019 Balance {$0.00} ; 2. MEDICAL DATA SYSTEMS I XXXX Date Opened XX/XX/2019 Balance {$0.00} ; 3. MED DATA SYS XXXX Date Opened XX/XX/2019 Balance {$0.00} ; 4. Original creditor : XXXX Date Opened XX/XX/2019 XXXX {$0.00} ; 5. Original creditor : XXXX Date Opened XX/XX/2019 Balance {$0.00} ; 6. Original creditor : XXXX Date Opened XX/XX/2019 Balance {$0.00} ; 7. Original creditor : XXXX Date Opened XX/XX/2019 XXXX {$0.00} ; 8. Original creditor : XXXX Date Opened XX/XX/2019 Balance {$0.00} ; 9. Original creditor : XXXX Date Opened XX/XX/2019 Balance {$0.00} ;

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 2016-10-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I went to XXXX this afternoon. I have been a 10+ year customer of USAA . I have a XXXX credit score and perfect payment history. I went to pay for my order and was utterly embarrassed as I was declined in line. I contacted USAA who let me know that a letter was going out dated today notifying me of the reduction of my credit line from XXXX to XXXX dollars. They mentioned the reason was that I do not maintain a high enough balance which could n't be farther from the truth as I frequently spend XXXX a month and pay it off. I could not have been more embarrassed to be declined in line. To make matters worse USAA reduced my line below my outstanding balance which will affect and be reflected on my credit as " exceeded credit limit ''. I could not be more upset at the lack of notification from USAA. They provided no resolution or explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: National Recoveries, Inc.
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Zero contact was made after the debt was supposedly resolved, I only found out when checking credit score. The amount at the time of the credit check in XXXX of 2020 was XXXX ( roughly ) which increased to XXXX ( roughly ) at the beginning of XX/XX/2020. 
I had sent a letter out from my attorney beginning of XX/XX/2020 and no response was received by me or my attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: NJ
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:
Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not accurate status and not our responsibility from XXXX XXXX  during COVID-19 in 2020 and should not have been placed on my credit file. This account is also a joint account and removed from my husband 's EQUIFAX but remains on my file. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I paid what I was told was my final payment on a XXXX XXXX XXXX phone that I cancelled. Next thing I new I received a letter for collection. I called to ask whet this is about they told I still owed money on this XXXX phone. I told them this was a mistake and I hung up and called XXXX XXXX XXXX. XXXX would not discuss the bill because the bill was sent to collections. But, they did tell me that XXXX XXXX called and change my address to a North Dakota Address. I asked them who authorized the address change and they said she did. No XXXX XXXX on account. After a couple of months I received another letter from a different collection agency. I called them and explained what happened and they said to pay the bill and they will have the back office review and the collection could come off my credit within 60 days. so, I paid. XXXX collection still on my credit report and now the North Dakota address appears on my credit report. Thanks for you consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made the final payment on my mobile home in XXXX 2015, but the loan company, Ditech, claims I still owe {$13000.00}. They say my account is seriously past due and if I do n't send the money, I may be facing legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am trying to re finance my loan and XXXX XXXX XXXX said he is having difficulty in pulling my credit report and asked me have I frozen my credit and I said I haven't done anything on my credit file. So Lender asked me to get in touch with Experian and find out what is the problem so I called customer support and found out that some company has placed some kind of file in my account and that's needs to be sorted out or straightened out. 
Experian support person will not tell me anything more then that. 
To resolve the issue they wanted to identify me and said I need to answer some questions to identify my self, I said sure go ahead and ask me questions. First few questions I could answer them clearly but one questions pertain to 10 years ago which credit card did I closed, 10 years ago? I didn't remember which card was closed so he said he can not help me out. Since matter was urgent as my application had to be processed by lender I requested him the problem created is by some company you sort it out and remove that problem so lender can access my file. I do not want any information, my lender should get the info he needs. 
But Mr XXXX was very rude and refuse to help me, He did not allow to talk to a supervisor I requested him several time but he denied every time. Avoid negative remarks on survey at the end of call he just transferred me into system again so I can not attend the survey. 
I need answer for such negligence and rude behavior of Mr 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