BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
State: NV
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:
he items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed 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.

I have also sent letters to all 3 credit bureaus XXXX, Equifax, and XXXX  over 30 days ago and have not received a reply or response. I will attach the letters that I have sent and singed with my signature. They have violated multiple laws of the United States 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report.

15 U.S. Code 1692g - Validation of debts They were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I do not validate this debt.

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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION. 

THEY HAVE VIOLATED MULTIPLE RIGHTS AND LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went into XXXX and was told by their representative that I could cancel AT ANY TIME. I paid {$750.00} on the XXXX day and received NO services. I sent a certified letter to XXXX within XXXX days saying I wanted to cancel and for them to refund my {$750.00} deposit as I received no services of any kind. They refused to refund me and have now sent me to collections for services I never received. They fraudulently represented themselves to get me to sign up and then once they got me, they claimed I signed up. There are numerous complaints against this company that I discovered after the fact. I am out {$750.00} for NOTHING and now I am being reported to the credit bureaus.

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 2021-06-18
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My finace XXXX XXXX referred me to get a credit card from her bank Wells Fargo. I called in and got denied for the unsecured credit card. I proceeded to fill out the application for an secured credit card with XXXX XXXX XXXX and after I listen to the disclosure about the card, my phone ended up powering down. XXXX XXXX submitted the credit application without my consent. Being my phone powered down, we never reached the point of the submittal and there was additional information needed. My fiance XXXX went to XXXX and her card declined. She looked in our savings account and found that I was indeed approved for a secured card and XXXX was taken out of our savings. XXXX XXXX never mentioned on the recorded line that funds had to be available up front. In fact there was no conversation at all concerning how payment would be made if I was approved. Yet, he took it upon himself to submit my application while I was offline and snatch the money from a joint account without my permission. I have called the bank several times and no one can give me a reason why he would submit the application and take it out of my joint account with XXXX. XXXX talked to a supervisor from Texas on XXXX/XXXX/2015 and was told that if a customer is disconnected from the line the application ceases and that it was violation. It has been an inconvience to my family all because someone wanted to make a number or meet a quota. XXXX XXXX stole from my family and all I can get is that it takes up to 60 days for funds to return. Hard earned money that XXXX and I worked for cant be returned until 60 days out. We were promised XXXX XXXX/XXXX/2015 or XXXX/XXXX/2015 from a banker that we would have the funds. Today is XXXX/XXXX/2015 and no funds have been received. Wells Fargo Sales department committed Credit Card Fraud by establishing a credit card in my name and taking my money without my consent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: I.C. System, Inc.
State: MA
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:
XXXX XXXX XXXX XXXX XXXX, MA XXXXXX/XX/XXXXDear Sir/ MadamTo Whom it may CorncernAm writing to you to dispute a collection on my credit report. 
In XXXX or XX/XX/XXXX I called my cell phone company XXXX to cancel my service as I could not get service at my palce of residence. We agreed to cancel the contract after I had sent them my lease and other documents. I did that. 
On XX/XX/XXXX I got a call to join the united states XXXX which I did. I was originally scheduled for XX/XX/XXXX. For four months I was away and had no access to my mail. 
When I came back I found out that my cell phone provider had taken me to collections. 
The said amount was for {$450.00}. I called the provider up and disputed it. 

From the dispute it came to my knowledge thatXXXX. The said documents the requested for never got to them. That was corrected and there for they waived about {$300.00} which was for the equipment ( phone ). 
XXXX. In light of that I paid half of the remaining balance to the provider. ( XXXX ) XXXX. I was also assured the the credit reporting agencies will be duly notified and the necessary corrections be made on my credit report. It is rather unfortunate that it has not being done. 


Am writing to you to dispute this record as it 's affecting my ability to get credit. 
Please kindly give me a call to rectify this situation XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: ERC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: CITIBANK, N.A.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Applied for and was approved on XXXX XXXX for a Citigold Checking Account using the promotion code XXXX. This promotion included XXXX XXXX XXXX miles to be granted upon completing {$1000.00} in debit card purchases and two bill payments within 3 months of the account opening. I completed these stipulations on XXXX XXXX 2016. When I had opened the account I called to confirm the promotion was attached and that after I met the minimum requirements I would receive my XXXX XXXX miles, which was confirmed chat with a citi representative. I sent a message to confirm that I would be receiving the miles and was told that because I was n't targeted directly for the account they would not be honoring the initial promise. I tried a second time resolve this matter and was again told they would not be honoring their 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 non-monetary relief
Consumer complaint received 2015-06-22
Company: Dirick, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took a renewal loan with a finance company, after enountering a change in employment and other personal difficulties it had been difficult to pay. This company has been embarassing me over the last XXXX months my situation by going to the homes of the references I listed, one who is my ex-husband who humiliated me because these people went looking for me at his home. They visited my new place of employment and quite frankly at this point I feel very stressed out with this entire situation. This company has exceeded the word humiliate and slander. They have released account information to my realtives and references and I have no where else to turn. I do not want to keep having anxiety or contintue getting embarassing mesages from my peers or employer because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: DE
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:
Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX $ XXXX XXXX XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I live in Tennessee and Usbank said I was at their XXXX XXXX main branch location on XX/XX/XXXX. I was in another state. I think my dad deposited my tax return although the email said thanks for visiting our branch location which implies somebody pretended to be me at the bank. My dad is an elderly XXXX  so I hope identity thieves are not pretending to be us. I do not know why my dad would pretend to be me at the bank. If it is an impostor, then they are probably phishing my business ' checks and clients before I get them, as if they knew a big check was coming in and then they withdraw it before I notice. I do not authorize anyone to pretend to be me at the bank. I alerted XXXX, so if they did not respond then they are corruption suspects. Nobody needs to pretend to be anyone else in order to make a deposit. Accessing my account illegally is a serious bank XXXX  red flag.

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 2016-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I purchased XXXX ( XXXX ) tickets online via the XXXX ( XXXX ) for the XXXX XXXX performance at the XXXX XXXX , Sunday, XXXX XXXX ( XXXX show ). The tickets selected via the online site were XXXX ( floor ) seats ( {$140.00} each ). The secondary marketer ( XXXX XXXX XXXX XXXX ) fraudulently switched the seats to the XXXX section ( {$89.00} per ticket ) a lesser quality/priced seat. My wife and my experience was ruined. We spent half the performance discussing this matter with the XXXX XXXX XXXX XXXX trying to resolve it.

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 2021-06-18
Company: EQUIFAX, INC.
State: LA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My former apartment complex is claiming I owe two months of rent. I abide to my lease and move out on my move out date. I do now owe them I have paid the amount I do owe. Collections can not find proof that I owe two months rent.

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 2021-06-18
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: Account information incorrect

Complaint:
I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, bM For the following accounts : I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. This is the letter i sent to the credit agencies for the following accounts : XXXX XXXX : XXXX This account is showing a high balance of {$1100.00}, but it is saying that I am also past due that amount. This information is incorrect. 
XXXX : XXXX I have asked for this account to be verified that the information reporting is correct. The agency has failed to do so. The account is showing on 1 report it is 120 days late on the other agency it is reported as a collection.

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 2020-03-27
Company: Experian Information Solutions Inc.
State: SC
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:
a formal complaint that you are reporting inaccurate and incomplete credit information NOTHING RETURNED IN 30 DAY OF TWO TRIES

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 2022-10-14
Company: Capital Accounts, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We sent the collection agency to provide additional document and trail for the incorrect billing amount. Instead of sending details and copies of claim, they just sent to credit reporting, negatively affecting my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was doublecharged an appraisal fee of {$320.00} several in XXXX. I have been trying to resolve the issue since then. I was told over 45 days ago that it would be resolved within 30 days, but it has not. They said it was an issue affecting a lot of customers, so I assume that I am not the only one. I've spent over 4 hours of my time trying to resolve this with them. I am currently on the phone with them. They told me most recently on XX/XX/XXXX that it would be off when I called on Friday, but it is still there. I suspect they are defrauding every customer who has had an appraisal to remove PMI using their systems. The company is Mr. Cooper ( dba ) - their full company name is Nationstar Mortgage LLC. If there is a law firm specializing in class actions, there might be a case here, but given that it's {$320.00} for me, it doesn't make sense for me to hire an attorney for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
My daughter went into several car dealerships in XXXX XXXX and trying to get loan in her name and the dealerships ran my credit without my permission. They did not get a written consent nor a verbal consent to run my credit. I had already gotten financing through my credit union but she was trying to do it on her own and they mislead her and ran my credit as well as hers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: East Coast Capital Corp
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in early XXXX I applied with East Coast Capital to refinance my mortgage. I spoke with XXXX XXXX. He told me he would come by my house and pick up the required documents. In early XXXX he came by and got the documents. Then shortly thereafter he would not return my phone calls. I received an alert from my credit monitoring service about suspicious activity. I called XXXX XXXX literally 19 times and called his company several times and they brushed me off and sent me to voice mail many times. I explained to the them that he has taken my documents and is now unreachable. After I left a message with XXXX that I was going to report him he called me one time. I called him back within 5 minutes and went into voice-mail all over again. I called him at least 4 times afterwards and still have not gotten a response. I am concerned that my personal information has been compromised and his company is not doing anything about it. I eventually spoke to Mr. XXXX XXXX and he also stated that he would get to the bottom of the matter and would call me back. He also did not call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I disputed a bankruptcy on my Equifax because it is fraudulent back in XXXX, it is not XXXX and it is STILL under reinvestigation which is WELL past the 30-45 day mark. I have sent countless letters and have even tried to call to speak with someone to understand wy this reinvestigation is taking so long and who have I not gotten any letters or information about it after the countless letters I have sent. I have not gotten a response at all and am very upset about this and how long this had taken. This is very detrimental to my credit score.

Company response to consumer: Closed with explanation