BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SEQUIUM ASSET SOLUTIONS, Last reported XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious SEQUIUM ASSET SOLUTIONS, Last reported XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX *

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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: Their investigation did not fix an error on your report

Complaint:
I called the XXXX and TransUnion after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX XXXX, and hoping that this XXXX XXXX XXXX XXXX will be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There were 5 collections accounts on my report, 4 of which were medical. On XX/XX/XXXX, I checked my report and noticed my collections balance increased by {$600.00}. There was a medical bill reported by XXXX XXXX XXXX XXXX for orig. creditor XXXX XXXX for {$290.00} Account # XXXX on XX/XX/2022 and another account by XXXX XXXX for orig. creditor XXXX for {$310.00} Account # XXXX on XX/XX/2022. 
These same 2 collections were added as duplicates on XX/XX/ XXXX XXXXs if they were separate accounts. This is unacceptable and decreased my credit score as it increased my collections from 5 to 7 accounts and balance from {$1400.00} to {$2000.00}. I disputed these items and have received no response or updates. This is not only Unfair credit reporting but also inaccurate and a violation of my rights. I am sure that I am not the only person suffering from this unjust behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Advance America, Cash Advance Centers, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX Company Listed above recently listed debt collection account demanding {$480.00}. The entry included the supposed original creditor as " Advance America '' XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Contacted company above to find ways to resolve problem relating to negative entry on credit report. Attendant searched company records using SSN and listed contact number. The attendant was unable to find any record supporting " XXXX XXXX XXXX  XXXX. '' claim demanding {$480.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Winklevoss Exchange LLC
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying to withdraw my crypto funds for about XXXX weeks but they will not let me as my account is " frozen ''. To note, I never froze my account. 

I did their security steps to unfreeze the account and have sent XXXX emails to their support email but they are ignoring me. 

Please help so I can withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letterverification. I have talked to the banks and they agreed to repair and correct the accounts. Why don't actually research my account history this time and see the errors yourselves? Please update and correct my accounts right away XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: MI
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:
In accordance to with the Fair Credit Reporting Act, the follow companies have violated my rights : XXXX XXXX XXXX Account Account # XXXX XXXX XXXX- Account # XXXX State of Michigan Child XXXX Account # XXXX, XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a Credit Score Disclosure in the mail. It said it was prepared for US Bank, my mortgage company. It had a different loan number then my loan number. After speaking with US Bank they said someone stole my identity and tried opening 2 checking accounts. Those accounts were denied opening. But this person managed to open 2 savings account at US Bank, in my name, and even managed to get {$25.00} out of my personal checking account at XXXX XXXX. US Bank is sending me forms to fill out and reimburseing me the {$25.00}. My bank closed my savings account and opened up a new one for me. The date on the credit score disclosesure is XX/XX/22. But I just now figured this out today XX/XX/22.

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 2022-08-02
Company: DISCOVER BANK
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone tried opening a credit card in my name. The application was canceled because the company was not able to verify my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX XXXXXXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2022-10-27
Company: SLM CORPORATION
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Cosigner ( my father ) died XX/XX/2020, 2 months after I graduated college. Sallie Mae says action will be taken if remaining borrower credit is not at the level the loan would be approved for if I did not use a cosigner. My income and credit is not even remotely close to be what it would need to be to get approved for my student loans. Now, I am left to pay the $ XXXX ( and rising ) for the next 9 years by myself. That is 65 % of my income. I am an engineer that makes the same amount the lender estimated when initially applying for these loans. I bring less money home than I did working in a XXXX, and this will be the case until my loans are paid off. 

The whole point of a cosigner is to provide a good income and credit score for the bank to make a good judgment. That income and credit score died with my father and no action is being taken. I am in a situation as if I got approved for loans that require a much larger income and better credit standing then I'll have for the next 15 years. 

This is criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Affirm Holdings, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contact affirm about this debt everything time i call they are trying to update my inform to the profile. they cant pull an account up with my social or dob. i was able to get the truth in lending documents and neither was my signature or info was on documents. nor could they verify the card that was use for the down payment and the card wasnt mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
For months I have been contacting all three credit reporting agencies asking for proof of the bankruptcy they are reporting on my credit. Each company Keeps saying the information Is verified without providing me proof of this verification. I have contacted the company they listed as their source of verification and the company has stated they removed this bankruptcy from my public record but the credit reporting agencies refuse to remove 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 2016-09-22
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom It May Concern : Unfortunately, in XXXX I submit my monthly payment on time. There was a ussue with my account some had acess my account and did some fraudulent charge I was refunded after the investigation I am asking to please removed that 30 late so that I may refinance the house so I can get a better rate It was an exceptionally busy time and my life as Recently, As you may know, XXXX scores are being used more and more in the selection of prospective job applicants. 
In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ) as reported on my XXXX major credit bureau files ( XXXX, XXXX, and XXXX ). I sincerely hope THE MONEY SOUR believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon. 

XXXX SOC SEC # XXXX DOB XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been disputing since last year. According to my XXXX report, no data was available From XX/XX/2021 until XX/XX/2021. A collection was reported in XX/XX/2021, and then no report in XX/XX/2021. I do not own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: CarMax, 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: Personal information incorrect

Complaint:
Remedy resolve, correction of damages to my credit. These damages of fraudulent and incorrect filing on my credit report have been devastating to my life. I gave not give permission to any of these fraudulent claims reported, the address is incorrect, XXXX XXXX reports eight late payments while XXXX reports 13 all from car max, the inaccurate fraudulent auto lone defaults need to be removed from my credit report. 
I do not consent 15 U.S. Code 1681s3 15 U.S. Code 1666b 15 U.S. Code 1679c 15 U.S. Code 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Smith, Rouchon & Associates, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to my credit report, It is stating that I have a {$28.00} collection from Smith Rouchon and Associates. It has been documented that this account has been opened since XX/XX/XXXX. I just recently seen this remark on my account when I tried to purchase a home. I sent a letter to their office on XX/XX/XXXX. It has been longer than 30 days and they have not responded to my letter. What are my next steps? By law it has to been removed from my credit report Correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below is the account in question : XXXXXXXX XXXX  XXXX Balance Owed : {$76.00}

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 non-monetary relief
Consumer complaint received 2022-08-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I had received a text alert appearing to be from the Wells Fargo app asking if I had made a transfer of {$3500.00} using the XXXX feature via the Wells Fargo app. I replied " NO '' to the text alert and immediately received a phone call displaying the phone number of the Wells Fargo customer service line as featured on the back of my debit card. I spoke with an individual claiming to be a Wells Fargo customer service representative returning a courtesy call regarding the text alert. I informed them that I did not use the XXXX feature, I did not know the individual whose name the funds were sent to, nor did I even have the funds to cover such a transaction. I was then walked through the steps to " reverse '' the transfer and put the money back into my account. He then gave me a claim number and a waiting period that they would contact me. After ending this call and waiting for the supposed call-back for about an hour, I decided to call Wells Fargo customer service and check on the status of the claim and make sure my account was safe. This is then when I found out I was scammed. I was never aware that it was possible for an outside individual to pose as my bank even down to the phone number that shows up and the text alerts, this is what lead me to believe this was a legitimate phone call and ultimately into being scammed. When I called Wells Fargo customer service myself, a claim was filed, and all these details were relayed to them. I was told to give up to 10 business days for this issue to be worked on. I then received a letter on XX/XX/2022, stating the claim investigation was complete and was closed. The funds were never returned to my account. I contacted Wells Fargo immediately and was eventually told that I would not be getting my money back because I was " a victim of scam and authorized the transaction, and they do not cover it ''. I did not have the {$3500.00} amount that was attempted to be taken from me, so only {$1000.00} was taken. That is still not acceptable to me. I feel the bank DOES OWE me my funds. I was not aware that I was being scammed, so how can this be my fault and I lose money that I worked for and was trying to save back. It is not fair treatment of their customers. All they have done in this whole stressful process is make me feel dismissed and 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