BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: Accscient, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have reached out to Nationwide Recovery Service and XXXX XXXX XXXX XXXX ( under XXXX XXXX ) multiple times over the last 2 years to get these debts removed from my credit report that were already paid. 

Back in XXXX my XXXX  was in the XXXX and XXXX claimed that they provided care for my XXXX  for anesthesia and Iv. My XXXX  never needed XXXX XXXX XXXX and never saw the doctor listed as the primary care doctor for the XXXX. A year later in XXXX XXXX in charges were placed on my credit report. My insurance ( XXXX XXXX ) paid for these charges but XXXX or XXXX never confirmed with the credit companies that they were paid. After filing multiple disputes they all came back as met fcra requirements Im not sure how this is possible when no one has been able to contact anyone from XXXX and XXXX continues to say they do not own that company and are not aware of accounts in my or my XXXX  name. 
At this point in time I feel like these are fraudulent claims, seeing as I am not the only person who has had issues like this with XXXX  or XXXX XXXX XXXX XXXX. 
I have the EoB proof from XXXX that these were paid, and the checks were cashed 3 days after they were received. Yet still show as I need to pay them on my credit report. 
I have additional documents with all the charges that were paid.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-21
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a XXXX XXXX line of credit my business name is XXXX XXXX XXXX XXXX, business address XXXX XXXX XXXX XXXX XXXX Illinois XXXX. XXXXIs the supervisor, I received a letter of denial that stated business address could not be identified. But they where asking me for my personal address information to upload in there system I sent in 2 form of my personal address bills one from XXXX and one from XXXX and they denied. I also connected my business bank accounts to there portal to validate my business They havent given me any good reason why my application was rejected only my business address is not identified which is false my business address is registered with government officials, banks, etc, I also have a personal account with American Express, they were very rude and talk aggressive over the phone to a customer also a client.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
last month when i applied for a mortgage at XXXX XXXX XXXX i was made aware that i owe XXXX XXXX  XXXX 2 credit cards that i didnt open. they indicated that i was a victim of identity theft and that i should file a complaint.

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 2023-07-21
Company: Opportunity Financial, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This company received my loan application on Sunday XX/XX/XXXX and said today that the application was expired. 

All of the required documents were sent in.

The representative over the phone informed me that nothing was wrong with the application. It just expired. They said that I have an option to reapply in 24 hours.

My bank information was verified, and I signed a 20 payment plan contract with payment dates, payment terms, and autopay.

The loan amount requested for {$2000.00}, was qualified and the contract stated terms and conditions of 20 payment arrangements with 160 % APR.

Although I signed, I did not receive the loan and my application expired. 

Contracts are legally binding documents that do not expire.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: AZ
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:
To Whom it May Concern NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This Is about the letter sent Via Mail shared XX/XX/2022 requesting your Company for validation of the below-mentioned account with MXXXX XXXX XXXX XXXXXXXX In response to the letter, your company sent a pile of statements received from the creditor as proof that I was credited for the alleged transaction. 

Further, the creditor reported this on my Consumer Report as " Charged off* It means that the creditor will no longer attempt to collect this alleged debt owed by them. 

Therefore, pursuant to my rights I approached the creditor and asked the following questions ; Have they sold this alleged debt? 
To whom is this debt sold? 
Are they still in the process of collecting this debt? 


I am enclosing here with the response received from the creditor. Also, I am mentioning below the answers to the above questions for your reference and record. 
Yes, they have sold the debt. 
The same is sold to your Company named Since they have charged it.off they are no longer in the process of collecting this debt Through the response received from the creditor, I would like to inform you that your Company has violated 15 USC 1692j ( a ) because your Company furnished a deceptive form to create a false belief in me as a consumer that the " Creditor '' was attempting to collect the debt but in reality, it was not true.

Pursuant to 15 USC 1692j ( b ), any person who violates the above-mentioned section shall be liable to the extent as mentioned under 15 USC 1692k i.e {$1000.00} ( XXXX XXXX USD ). 

I am attaching herewith the invoice and if you fail to pay the same, I Will escalate this matter to Federal Court. 

I DEMAND COMPENSATION OF XXXX FOR THE DAMAGES THAT HAVE BEEN DONE TO MENTALLY AND FINANCIALLY Thank you for your cooperation XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
last month i walked into XXXX XXXX XXXX to apply for a mortgage and it turns out i owe them for 2 credit card accounts that where open in my name. I got denied for the mortgage, but i was made aware that i was a victim of identity theft and that i had several fraudulent accounts on my credit report.

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 2023-07-21
Company: Sensible Auto Lending, LLC
State: IL
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:
These accounts was fraudently opened in my name they are closed accounts I'm uploading proof of identity theft and police report with proof of identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, I sent a wire transfer using my Wells Fargo checking account. I sent the wire using online banking. Under Fee, it showed {$0.00}. My account had never been charged for wire transfers before. I later saw a {$45.00} wire transfer fee on my account. I called Wells Fargo and the person asked me if I still worked for the company and I said I didn't as of XX/XX/22. He said that he sees my account under a team member account and that it shows no fees for wires. He then said he thinks because I'm no longer a team member that's why a fee was assessed. I explained that I didn't receive any notification about account changes and that at the time of the wire it showed {$0.00}. I explained that I didn't consent or was notified about a fee and asked for the fee to be waived. He put me on hold and came back with a next level of support. The supervisor said he wasn't sure why the call was transferred to him since I was already informed that the fee was charged because I'm no longer a team member. I explained to him that I didn't ask for a transfer but simply asked for my fee to be reversed since I didn't consent to it and was not informed prior to sending the wire. He then asked me to contact the company 's Human resources for employees. I explained to him that I'm not calling as an employee but as a consumer and there was no reason I would need to contact HR. He said he couldn't help me with the fee reversal. I asked to speak to someone higher and he said that he was as high as I would get. He then said he can file a complaint for me but gave me a hard time when I simply asked for a complaint number and nothing more. I was treated differently simply because I was a former employee and was not treated as a consumer. I was also charged without my consent. I attached a copy of my wire receipt that shows that my fee would be {$0.00} for the wire.

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 monetary relief
Consumer complaint received 2022-01-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XXXX XXXXXX/XX/XXXX, I received a voicemail from a local telephone number at XXXX XXXX. The voicemail told me that someone was filing a civil suit against me : Hey this is an urgent message intended to contact you in reference to a complaint. If you have any questions or concerns regarding a pending access that are being filed against you you will need to contact the issuing firm at XXXX again that number is XXXX to discuss, this requires your immediate attention and it is imperative that we speak to you or they will be forced to make a decision without your consent again this is an urgent message. When I called the number me time, a man answering said it was a law office, and I hung up. The second time, a woman answered and said it was someplace like XXXX XXXX. When I gave her the reference number in the voicemail, she put me on hold for 3 minutes and then told me that HSBC was filing a civil suit against me for {$760.00} that was owed between XXXX and the last contact they made was in XXXX She asked what was going on in my life then that I chose to not repay my debt. Then she said that HSBC would be taking legal action and would also collect interest fees dating all the way back to when the debt was made, so 17 years of fees plus court filing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I called CitiMortgage today to try to get them to fix the Form 1098 issued to me for XXXX ( this is the same issue for which I filed a complaint last week, however, Citi switched servicing during XXXX, so I now have two incorrect Forms 1098 for the same mortgage ). 

My specific complaint is that I was told that my request to correct the error on my Form 1098 could not be submitted today, rather, that the request could be submitted only starting on XX/XX/XXXX. I would have to call back on that day, go through the 20+ minutes of prompts and three different representatives before I can even begin relaying the issue, and then report the same issue that I reported today.

Frankly, this is abusive. I see no reason why my request for a corrected Form 1098 could not be taken by CitiMortgage today, even though CitiMortgage is unable to process the request until XX/XX/XXXX. Even if Citi is so woefully understaffed that they can not take calls asking for corrections of tax forms, CitiMortgage should have told me that when they sent the Form 1098, not when I call in to ask for a correction.

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 2020-02-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
First off I have 2 other complaints pending as of XXXX XXXX this is my third after trying to speak with someone all last week about this issue none has called me back and now not only have they taken the overdraft balance {$370.00} they took {$400.00} that is $ XXXXover So this is my third complaint about the same issue 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 2020-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
VISA CHECKCARD OR prepaid digital wallet access to my SOLE account at bank of America XXXX XXXX XXXX XXXX  XXXX VA THRU VISA CARDS OF SOME TYPE ongoing from XXXX. 
I OBTAINED THE VISA card used the LAST 4 DIGITS USED ON reservations made on my name in XXXX and XXXX from XXXX XXXX XXXX XXXX Florida.records attached and stating Visa Card numbers used XXXX and XXXX ... Boa XXXX extensive reviews attached XX/XX/XXXX record 2 cards issued to me as Visa. 
XXXX XX/XX/XXXX to present And XXXX used for 30 days temporary XX/XX/XXXX card issued and then closed XXXX due to received my XXXX card number I wanted to keep. 
These VISA cards DEDUCTED THE MONEY OUT OF MY SOLE ACCOUNT XXXX BUT THE LAST 4 DIGITS DO NOT MATCH WITH THE NUMBETS ON MY BANK STATEMENT recorded on my boa sole account statements as those visa numbers..why???

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 2023-12-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to address a matter that has been of concern to me and has had a significant impact on my credit report. I recently reviewed my credit report and noticed that there are late payments reported for my accounts. 

SYNCB/CHEVRO XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or SYNCB/CHEVRO customer service I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

If there is any additional information or documentation you require to support my request, please let me know, and I will promptly provide 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 2022-06-17
Company: Experian Information Solutions Inc.
State: TX
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:
Accordance with the fair credit reporting act XXXX  account # XXXX, XXXX HAS 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 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPENEND CONSUMER CREDIT PLAN AS LATE FOR ANY REASON

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 2021-06-05
Company: EQUIFAX, INC.
State: AR
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've contacted this company three times with a request to remove inaccurate and unverifiable accounts from my credit report. A notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. They are in violation of this law. 

The following accounts remain unverified, even after multiple attempts to receive validation from them. I request that these accounts be immediately removed from my credit report with all credit bureaus that they report to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting 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 did a recent check on my credit report and found some unrecognized inquiries.

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 2018-06-13
Company: Experian Information Solutions Inc.
State: OH
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 have sent numerous amounts of letters disputing the following accounts below to the credit reporting agency listed over the last 9 months. They have yet to remove the items from my credit file even though I have provided them with supporting documents stating that the accounts are inaccurate and don't belong to me. 

XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX   - 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 non-monetary relief
Consumer complaint received 2020-02-03
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:
I have spoken to XXXX XXXX  Consistently and in XXXX the confirmed that I owe 240000 or close to that number. Now I consistently seeit getting higher. I know there is some definete frayd here. I have to continuosly write CFPB to get changes. If I do not see a reduction in my mortgage to the correct amount I will be forced to resort to obtaining legal resources. I am upset that XXXX XXXX, a subsidiary of XXXX, has not corrected that mortgage company 's flaws. I I DEMAND my mortgage balance amount be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2021 at XXXX I contacted transUnion to assist with login. The rep assisted with getting into the account then she was going to assist with a password reset but she hungup. I was able to reset the password on my own however once logged in the system keep saying tech difficulties. however another member of the household was able to login to their TransUnion. So I called back at XXXX for additional assistance with the login, the rep said she was going to delete that account and for me to sign-up again she walked me through it and we tried different devices different browser and still the same error mess We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. This seems to have only affect my account as other household memebers are able to login to their accounts. TransUnion said I would need to pay {$24.00} a month to get my credit report. I was also told they don't include the score with report that cost extra anywhere from {$1.00} to XXXX What kind of scam are they pulling.

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 2020-02-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I would like to file a formal complaint against Transunion as I understand the CFPB disputes will not also end up being included in my credit report. 

I understand that the Consumer Finance Protection Bureau ( CFPB ) has administrative oversight over compliance with the credit reporting provisions of the FCRA, including compliance by the credit reporting agencies. 

I chose the word dispute to validate debts on my Transunion credit report on collection accounts. Transunion inserted in the comments Account information disputed by consumer.. I contacted the credit agencies via phone and I explained that it is affecting me negatively and they said they would take it off, but can't guarantee what the bureaus would do. 

I contacted Transunion and asked them to remove the comment. I told Transunion that I never intended to file a dispute with the credit agency when I spoke to their rep, my intention was to contact the original creditor which by law I should be able to contact the original creditor myself but the company information is not provided on any of my credit reports. I made it clear I was disputing with Transunion themselves and was told it'll be deleted via phone in 24-72 hours. This has still not happened.

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