BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
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: Investigation took more than 30 days

Complaint:
According to the 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 you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX Account Number:XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Affirm Holdings, Inc
State: DE
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/XXXX i was sent a text message from affirm alerting me that they had not received my payment so i logged in and made a payment. Unbeknown to me the payment i had previously scheduled to pull on XX/XX/XXXX also went thru in the amount of {$150.00}. so i made XXXX payments totaling {$300.00} on XX/XX/XXXX which is a XXXX. i notice right away on my bank account that both payments had pulled from my checking account and saw they were pending. I contacted Affirm on XX/XX/XXXX XXXX business days from XX/XX/XXXX and they advised me that they do no submit refunds of payments that are more than 3 days old. I escalated the call knowing as i work in American banking for a private lender that this is not accurate, and XXXX XXXX stated that no they would not give me a refund because it was more than 3 days. well if you are counting XX/XX/XXXX is XXXX business days from XXXX exactly and nowhere in the XXXX do people refund payments while the payment is pending, typically you have to wait XXXX business days until the payment posts before you can request a refund well not in affirms policy they refuse to refund me and now i am unable to maintain my financial obligations with my other bills this month in XX/XX/XXXX because affirm wants you to request a refund while they payment is still pending. I will never do business with affirm again, i am so upset that they would treat customers this way. i did my due diligence and made my payment by scheduling it for when i got paid, affirm took that payment and then asked me the same day for the same payment again so i complied and when i ask for the 2nd payment back they state they refuse. Shut them down. How are we as consumers supposed to survive while we are constantly being exploited by these corporations. Knowing this is not typical business practice i advised them of such and asked them for an employee id they refuse only giving me the name XXXX, this is how a supervisor acts?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I, XXXX XXXX visited XXXX XXXX XXXX  XXXX in XXXX Ohio for the purpose of getting a hair extension procedure. This procedure cost {$940.00}. The extensions I received were supposed to last 9 to 12 months. Within a week there were major issues with this procedure. The merchant refused to fix the problem without additional funds. I then had to go to another salon ( XXXX XXXX in XXXX, OH ) and pay an additional {$800.00} to repair the damage that the other salon had done. Please see attached complaint that I filed with US Bank Reliacard, Aka. Reliafraud. I called to file this complaint on XX/XX/20 with Reliacard after numerous fruitless attempts to resolve this matter with the merchant. They then sent me forms to sign and return so they could supposedly investigate. 
Their investigation has run well past the allotted time per Federal guidelines, and I still have no answer or resolution to this matter. Additionally, they failed to credit my account with the disputed amount of funds as their Terms and Conditions stipulates. I have called numerous times, only to be put on hold for hours. Three of those times when I finally did reach someone, I got hung up on while being transferred. No one will give me an answer to this complaint either way. 
Their inability to process this complaint has caused me extreme financial hardship as well as mental anguish and anxiety. Please investigate this dispute and provide me with a written statement of the outcome. I can be reached at XXXX or ( XXXX XXXX XXXX. Thank you for your time and attention to this matter.

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 2023-11-05
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ordered goods online that were partially stolen in transit. I attempted to send back what did arrive. I filed a police report and provided it to the credit card company and XXXX directly. I spent months dealing with this case constantly being harassed by phone and mail. I spoke with someone in XXXX who said one department had approved the credit to my account in XXXX of XXXX, but the calls and letters keep coming. My personal credit is at risk and Im tired of receiving calls and letters.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-10-11
Company: Capio Partners, LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Back in XXXX, Capio first contacted me saying I had a debt XXXX sent to collection. I called XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) and they said all my bills were paid and there was no record of them every sending me to collections. I then blocked the phone calls from Capio Debt Collectors. They then tried to recontact me today, XX/XX/2023 at XXXX and XXXX XXXX with back-to-back phone calls. When I asked what it was in regards to he kept saying " a business matter '' and trying to make me state personal information before giving any more information. I know I have no outstanding debt with XXXX and they can confirm this. 

I keep blocking their numbers and they keep finding me to try to pay this " debt '' that does not exist. The number I provided was the most recent number to reach out to me.XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) said Capio is not one of the debt collectors they use and they shouldn't know my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX FCU Inquired on XX/XX/2023 2023

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 2023-10-11
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
The company did not explain why they were contacting me. There were multiple individuals from multiple " law firms '' who sent frightening business matter text messages to me. I finally determined who they were once I reviewed my credit report and saw that this old debt had been sold AGAIN to another collection agency. I blocked each text message only to have more sent in addition to receiving 4-5 phone calls per day.

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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have to file a complaint with XXXX, XXXX  and Transunion. I have called placed numerous alerts on my credit profiles. I have explained that there has been fraud on my accounts over and over. I have had fraudulent accounts removed only to have the accounts added back. According to the FCRA, I was to should have been notified, there hasn't been a validation of debit even without numerous disputes asking for verification. I have received nothing. I called and advised of the difficulties this has caused. I have had the same collections removed and added back without proper notification. I am asking that the accounts be removed. I have also enclosed proof of the 3 collections, one collection is a medical bill, this violates HIPPA as there are different laws that state medical information can't be shared, and this is direct violation as it listed the bill as XXXX XXXX, without proof this belonged to me. Next, their is a service listed for XXXX XXXX, under XXXX XXXX, this has been removed twice only to be added back, without notification of attempts to place the debt back on my credit reports, this is direct violation, once it has been removed, there has to communication or writing before this can be placed back, this hasn't been done. I am asking that this be removed once more. I have reached out to each bureau and asked that this be validated and nothing. That is another violation. Just stating updated doesn't validate, there has to be proof. All XXXX agencies use their 30 days to wait only to return validate without proof or actual description other than " agency validate '' This alone would require that the debt be removed. Lastly, according to the FCRA whoever this debt belong to once the original creditor dismissed this debt, it's unfair practice to place this one my credit report, as this hasn't been proven it belongs to me. The collection agencies should have notified me, the law states it must notify me within 30 days before being placed back on again this was not done. The resolution I am seeking is to remove the collection as each agency has violated my consumer fair credit rights. Thank you.

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 2023-11-05
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
During the national XXXX XXXX, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the pandemic, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their XXXX offices nationally during the pandemic.

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 2023-11-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am formally complaining against WELLS FARGO CARD SERVICES I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ).

I have contacted WELLS FARGO CARD SERVICES who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that WELLS FARGO CARD SERVICES stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.

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 2021-01-13
Company: Experian Information Solutions Inc.
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:
I disputed a reporting on my credit for identity theft and experian verified it without providing me with any information as to how and when I applied or incurred any damages with anyone to any debt.

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 2021-01-07
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello I am currently in bankruptcy and my home with PRMG loan is within that bankruptcy. I was made aware of the cares act and requesting a forbearance due to Covid and I sent the request directly to their website on XX/XX/2020 and still have not heard back from them. I am unable to reach them via phone Because the system is always automated and redirects you to another automated system so you never get to speak to a real life person! I still have not received any communication as to my status or an update on my request. I am very concerned because of my financial hardship. I am trying my best to work with them but I do not hear back from them. 

The mortgage company is PRMG and the incident number they have reported as solved meanwhile I have not heard back from anyone! They have links on their website saying that they will help you during this hardship due to Covid and ask you to request a forbearance virtually but then you do not hear back from anyone else it says youre going to hear back from us within 7 to 10 business days and its been well past that point! I am very concerned and I need help with this cares act I need to hear back from them as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: I.C. System, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I Contacted IC Systems and they were unable to locate an account for verification. this is an XXXX ( XXXX XXXX XXXX XXXX bill for XXXX that is showing on my credit report as a collection.Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.

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 2021-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Around the time of XX/XX/2019, I noticed a gross amount of fraudulent charges in small amounts on my XX/XX/XXXX Card that added up to approx. XXXX. At that time, when I noticed it, 8 months had passed. After being with this Bank with my credit cards, I was surprised that they did not notice the fraudulent activity and out of pattern activity Also with my card not being present!. On top of everything else, My other cards were cancelled as well!! along with my credit being destroyed! I would hate to say that this is a case of discrimination, but it appears that way. 
After numerous attempts have resulted in numerous declines unacceptable reasonings. I feel discriminated against. They were presented with a Police Report # XXXX. XXXX XXXX was negligent ( refused XXXX to acknowledging the documents. 

To be an XXXX American, Independent XXXX who works tremendously hard to achieve and maintain a great credit rating, I feel XXXX XXXX has single handedly, wrongfully assassinated my credit rating.

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 2023-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had XXXX cards change their limit on me my spark which is a business card my XXXX and my XXXX XXXX all have went down on their credit limits i feel this is totally unfair to a customer who never been late on payments or whos never missed a payment now if I was irresponsible then yes but my credit score just suffered a lot now because I have high utilization this is hurting my business and personal credit once again I have never missed a payment or beer late and they dont think about the consumer and how this will affect their credit score which is totally unfair I feel if I was irresponsibility then yes but this shouldnt legal and if they did wan na take there credit limit down this was there choice it shouldnt affect consumers credit score because its a loss loss I lost the credit and my score goes extremely down totally unfair we need much better laws as consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: MS
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 Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

REMOVE THIS FRAUD ACCOUNT ASAP

Company response to consumer: Closed with explanation