BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXXXXXX XXXX XXXX Account Number Num : XXXX Balance {$450.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC XXXX, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2015-08-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I 'm using the Annual Credit Report site with no way to contact any of the XXXX credit companies except by mail. NO PHONE NUMBERS OR CHAT OPTIONS!! When I completed my application, I got a msg that I had already received an credit report from XXXX. When I requested a report from Equifax the little 'computer is thinking ' circle went on forever. I tried two different days to no avail. I searched for recent reviews online and saw XXXX other similar complaints within the month of XXXX 2015. This is unacceptable service. Please look into this. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XXXX/XXXX/2015 I wrote both Equifax and XXXX a letter requesting a removal of an unauthorized hard inquiry on my Equifax credit report. The letter sent to XXXX was returned as undeliverable from the US Post Office ( this was the same address listed on my Equifax credit report ). Equifax responded on XXXX/XXXX/2015 directing me to contact XXXX directly. After a complaint was submitted via the CFPB on XXXX/XXXX/2015, they responded today ( XXXX/XXXX/2015 ) again stating that I need to contact XXXX directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
False Credit Reporting -- -- Subject-Conflict of interest-banking Regulations. Short Sale of Home with Agreement from XXXX XXXX. 
I purchase a home in XXXX XXXX development in XX/XX/XXXX with the intent of selling my home in XXXX, SC. In XX/XX/XXXX, I had to stop the bleeding and made an agreement with the VP of XXXX XXXX to sell the house, pay off first mortgage, pay off XXXX of home equity loan to XXXX and sign a personal note for the remaining balance of {$100000.00}. Because of my income/debt ratio ( retire-income only IRA ), I could not get a jumbo loan with any banks in XX/XX/XXXX. The developer and seller of the home was a Board Member of XXXX XXXX and used his influence to obtain am appraisal and loan for me with XXXX. The mortgage was for {$750000.00}. The rate was 4.75 % and payments drafted from my Checking Account at the same XXXX XXXX. In XX/XX/XXXX, I was able to get a XXXX mortgage for XXXX and XXXX carried the home equity loan for {$290000.00} again at 4.75 % -- interest only. XXXX XXXX ( XXXX VP ) agreed to a short sale if I signed a personal note for the balance. I agreed to do this since he promised there would be no negative reporting to the credit unions. This is my problem. Each month, they report false information on my account such as 1. ) turned over to collections XXXX, 2. ) XXXX or late or missing payments, and 3. ) showing both the original loan and personal note for the balance is in default ; even though they auto drafting from my checking account at their bank each month since XX/XX/XXXX. Their reporting has prevented me from obtaining any refinancing on my home or financing for a new home. This has caused me substantial financial harm. The CEO verbally agreed to correct the reporting ; but did not do it or explain why ; and now he refuses to talk to me. I assume it may be because of a potential conflict of interest by a the Board member- a local developer that sold me the house and obtained the loan. Without a request from me, XXXX decided to write off {$10000.00} so the personal note would be just below {$100000.00}. Closing cost increased the amount to {$100000.00}. He did this instead of lowering the interest rate on the personal note that I had requested. I can not understand any other reason for their actions if not a conflict of interest-banking regulations, etc. I did not try to just walk away from the property in another state when that was the common thing people were doing then. I am trying to prevent filing for Chapter XXXX which is what their action may cause ; and they would be the last in line to pay -- maybe with all the interest earned maybe nothing. I do n't understand why they have taken this position. This is my reason for filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Everything thats on my credit report is due to identity theft and fraud CAUSED BY MY EX WIFE, XXXX XXXX ( AKA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX. She has opened mass amounts of credit cards without my permission or my consent which has to talked over {$80000.00} approximately 18 credit cards IN MY PERSONAL NAME. NOT OUR OR US. 
* IT WAS ALL HER OWN DOING WITHOUT MY KNOWLEDGE. My ss # XXXX DOB : XX/XX/XXXX. 
TIL THIS DAY, SHES ALSO DOING IT TO OUR YOUNGEST SON, XXXX XXXX. ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX. 
*** SHES OPENED MORE CREDIT CARDS IN HIS NAME WITHOUT HIS KNOWLEDGE, PERMISSION NOR CONSENT! SHES RACKED UP/MAXED OUT THOSE TOO. She's ALSO opened a false NEW YORK STATE UNEMPLOYMENT claim under XXXX name. HE got stuck paying unemployment ( SHE WAS POSING AS XXXX EACH WEEK CALLING IN HIS CLAIM ACTING AS IF IT WAS HIM CALLING. WHEN INDEED, IT WASNT HIM. IT WAS XXXX XXXX XXXX ACTING AS IF SHE WERE HIM ) back after he found out, in order to claim it when he, himself came time he really did need it. AS OF TODAYS DATE, SHE HASNT BEEN HELD RESPONSIBLE FOR NOTHING SHES DONE. ( Shell never stop. Been doing thus for years. I divorced her due to this, partly ) SHE, ALSO RECEIVED OVER {$50000.00} FROM AN INHERITANCE FROM HER PARENTS AFTER THEY DIED. BUT HIDES IT IN HER SISTER 'S BANK ACCOUNT IN ORDER TO COLLECT MEDICARE, SOCIAL SECURITY ETC. THATS ALSO FRAUD! SHES NOT, BY ANY MEANS DISABLED AT ALL. SHE LIED AND FAKES IT TO BENEFIT FREE FOR HERSELF. 2 DWIS SO FAR, TOO. SHE LIVES JUST TO SIT IN BARS ALL DAY. I want charges against her to the " FULLEST EXTENT OF THE LAW. '' JAIL TIME. AND FURTHER, BUT A THOROUGH INVESTIGATION. AND ALL NEGATIVE MARKS IMMEDIATELY REMOVED FROM MY CREDIT REPORT! I WANT HER TO PAY ME AND MY SON ALL MONIES BACK ONLY AFTER ALL CHARGES ARE FILED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
Upromise, who is owned by Sallie Mae provides 1 % cash back on eligible purchases. We have submitted the last XXXX checks and have never received them. We have logged online and sent customer service multiple emails. We did not know who to contact Uppromise is operated by a Credit Card Company, Owned By SallieMae so we were unsure as to who to contact within your department.

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 2022-10-31
Company: WELLS FARGO & COMPANY
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX, Wells Fargo and XXXX were all harassing me while making the minimal payment. I found a company that said they could consolidate my debt and after paying them off I would be in the clear. I paid off the consolidation company back in XXXX  and I am still receiving correspondence claiming that I still owe money.

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 2022-10-31
Company: Rausch Sturm LLP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Thursday, XX/XX/XXXX, I, XXXX XXXX, received a letter with no company name, just an address provided, for a XXXX XXXX at my address, XXXX XXXX XXXX, XXXX, TX XXXX. 

I attempted to return-to-sender via USPS as XXXX XXXX does not live at my address and is not associated with my address. The USPS returned the letter to me because the debt collector provided to allow for forwarding/return instructions. 

As such, I had to spend time, money, and postage to return the letter to Rausch Sturm, LLP. Their name is not on the envelope and a detailed address search had to be conducted. 

Being a victim of identity theft, I am unsure what this debt is, if it is in any relation to me, or what effects it may have on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are HARD inquiries being reported from the following companies on my credit and Equifax is refusing to remove them even after I called the companies and they advised they had no information on me or any inquiries. My information was used without my authorization. 
Companies : The following credit inquiries are related to none of the aforementioned permissible XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 've disputed this information 4 times already with the credit bureaus and have proven that they are reporting it incorrectly and nothing is being done. I 've also made complaints with the XXXX for my state. I am tired of receiving the same letter over and over again in response to my disputes just disregarding what I am saying to them. I require the physical, firsthand knowledge, proof, that they are reporting this correctly, or it must be removed immediately and permanently. This is made available to me under section XXXX as well as XXXX. I also did not give my permission for this information to report on my credit file pursuant to section XXXX. 

Here are my disputes : XXXX XXXX XXXX XXXX # 1 the date " XXXX/XXXX/XXXX '' does NOT exist yet and I 'm sending you proof AGAIN # 2 the docket # XXXX is NOT correct # 3 XXXX is NOT a court and you need to have the city and state listed # 4 " A : '' is not a liability *You need to remove this account immediately and I 've already notified the Consumer Financial Protection Bureau as well as the XXXX in this illegal matter XXXX XXXX # 1 the company name must be listed in a manner that I can understand and not just lazy acronyms # 2 the open date for Equifax states XXXX/XXXX/06, XXXX states XXXX and only XXXX of you is correct # 3 you have this account listed as included in a bankruptcy and it was NOT # 4 all of the lates that you have on this account PRIOR to it be " included in a bankruptcy '' are incorrect and inaccurate and all payments were made in compliance with negotiated schedule, so I require the documentation that you have in your files that prove that you are reporting this account correctly and completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since XXXX XXXX 2017, I have contacted Equifax, Inc about my inability to view copies of my Equifax Credit File using any service ( XXXX, XXXX, equifax.com or any other provider. Companies and financial institutions are also unable to pull copies of my credit file since XXXX XXXX 2017 in clear violation of the FCRA due to Equifax XXXX XXXX active on my account despite the fact that I canceled this service on XXXX XXXX 2017 and have requested this be fixed but my requests have been null. On XXXX XXXX I ordered the Equifax Credit monitoring solutions which allows daily pulls of my personal credit report. Since then, I have pulled daily copies due to ongoing credit disputes on inaccuracies I am working on fixing. This stopped working XXXX XXXX and has not worked since then. Equifax needs to fix their credit lock system and unlock my Equifax credit file and they also have to remove soft inquiries associated with their Equifax product because after a few pulls credit reports locks which violates their contractual agreement with consumers. They claim I am entitled to unlimited daily Equifax Reports with paid subscriptions but after a few pulls credit reports automatically lock and do n't provide reports after self pulls reach a limit. This is clearly a problem. As of today XX/XX/2017, companies, financial institutions and I can not pull a copy of my Equifax credit report and requests to fix this has gone unanswered. They did manage to fix this once on XX/XX/2017 but stopped working again XX/XX/2017. They have to fix this issue or i will not be able to open financial accounts due to Equifax lock and soft pull issues. I called support today XX/XX/2017 and XXXX XXXX still active despite multiple tickets and soft inquiries not removed.. No one including myself or lenders can pull my Equifax Report XXXX This is extremely concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Financial Business and Consumer Solutions.
State: VA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted this debt collector concerning a debt reported by credit reporting service. 

I asked them to send me documentation showing the original creditor stating the true and accurate final amount of debt owed to the original creditor and stating this debt collector was given the right to collect the final amount of debt owed to the original creditor. 

I was told they can not respond in writing to me. 

I sent them an affidavit requesting them to provide the documentation and that the FDCP mandates they respond within 30 days. 

This debt collector did not send me any documentation nor responded to me at all. 

I consider this to be a case of fraud and extortion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Experian Information Solutions 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:
I have been unable to access the online dispute services due to server errors and other technical issues. Because of this I have been unable to correct my address that is on my file.

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 2017-07-24
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I started my current job about a year ago. Around that time I submitted a form to transfer money from XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX to my new employer 's HSA at XXXX XXXX. XXXX XXXX pretended that they never got the form to transfer the money to my new HSA and instead kept deducting a monthly management fee. I called a few times and they always said that the transfer was " being processed ''. After months of the run-around, they claimed that the form did not have all the information necessary so on X/X/17 I submitted a new form. Again, after a month of waiting they did not transfer the money or call me to explain why they were keeping ( and slowly draining ) my account. When I called XXXX XXXX, they said they sent the form 3 times and had no idea why XXXX XXXX  was refusing to initiate the transfer. So, we called and supposedly straightened this out with XXXX XXXX  customer service. Everything was supposed to be all set. Today I called again because the money had still not been transferred. I was told now that the form submitted was " illegible '' and that they had tried to call me but " there was no option to leave a message ''. That is just a straight up lie. I have voicemail set up on my cell phone. Now they tell me they are going to charge me a {$25.00} fee to close my account or transfer the money. This is ridiculous. They are leeching the account maintenance fee off of the account and trying to make it impossible to transfer the money out so I get bored and just decide to let them keep it. The fees are ridiculous and the refusal to transfer the money is exactly the kind of abusive practice that the CFPB is designed to combat. Please investigate. I am sure that they are making a large profit off of this account maintenance fee scam they are running.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-31
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We bank with XXXX XXXX and two of our checks were fraudulently deposited at TD Bank. Each check was for {$18000.00}. TD Bank refuses to respond to XXXX XXXX requests for reimbursement for the claims. They have actively followed up and TD Bank continues to do nothing. According to XXXX, this is very typical behavior of TD Bank, they do not return fraudulent funds despite legitimate claims. 

Something needs to be done to stop TD Bank from keeping fraudulent funds. This has to be against the law, right?

Company response to consumer: Closed with explanation