BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Last Four XXXX {$1300.00} Walmart Acct. # XXXX Police Report # XXXX *Fraud Affidavit Attached* Dear CFPB, I am contacting you all, because I do not own the Walmart/Synchrony account that was taken over by XXXX XXXX. I have been having issues disputing this matter. I decided to contact XXXX XXXX directly and disputed the accounts on the XXXX of XX/XX/XXXX. I understand that COVID had delayed responses, but it should not take 90 days. The turnaround is usually around 30-45 days. When I called on XX/XX/XXXX. I was told that I was not going to be reached until XX/XX/XXXX. I was promised 30 days from XX/XX/XXXX. When I called on XX/XX/XXXX, I received a promise date of XX/XX/XXXX from representative XXXX XXXX It does not sound like a valid investigation turnaround. I received a follow-up letter with proof of ownership of the account. I was sent the final bill. On the Walmart/Synchrony account, the address is completely off. No wonder, I did not receive the document. 

I recall being contacted in XXXX. I denied the account then. When reached once the account was taken over, I denied the ownership of the account. I just updated the company with my number for a follow-up call in the last week or so. 

The document that I received from XXXX XXXX on XX/XX/XXXX was not viable proof of the debt owed. There are no detailed charges on the document sent. 

After speaking to Synchrony Bank and filing a claim on XX/XX/XXXX, I have been promised investigation results in 7-10 business days and was told that a representative may be giving me a call before the end of the investigation. The first rep I had spoken to is XXXX. I do not recall the 2nd rep. 

Best Regards, 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 explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: CA
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:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Experian Information Solutions Inc.
State: VA
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:
The credit card company failed to notify me and did not update my address but statements reflected old address. In addition, I made required payments for XX/XX/2020 and was reported late, the company agreed to reverse fees and that I would not be reported late after they made a clerical error by processing a payment that was not authorized from a former account, I then made a payment exceeding the amount that was requested of XXXX, however the representatives have failed to make good on this consistently and affecting my credit negatively. In addition they failed to provide correct data so that I can file a lawsuit.

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 2021-01-08
Company: Monarch Recovery Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a complaint/dispute with XXXX XXXX/XXXX  via their dispute system XXXX 2020. After submitting complaint online, I looked up the collection agency that had complaint on my file Allied Account Services, XXXX XXXX XXXX, XXXX, XXXX I spoke to the representative and told him if he checked his records he would see that I've never lived in XXXX XXXX  or had any relative living in the state. I told him whoever opened the account with the utility had to have used their own social security number. I told him that they did not use due diligence in investigating and that I wanted it removed from my record. That XXXX is still on my record with XXXX, XXXX XXXX and XXXX. I want them FINED for being sloppy and irresponsible! 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
Hi. I hope all is well. I am writing this letter because I need your assistance in my situation with XXXX XXXX. I have applied for a student loan ( Smart Option ) and have been denied despite of having immaculate credit and high SCORE. XXXX XXXX apparently requests a cosigner but the point is that that I have always been taking care of my own issues and never relied on anyone. Age wise I am young but I am very independent, responsible and as I said I have always taken care of my issues myself and have always been successful. I am very persuasive, persistent and conclude everything that I start. I never leave anything halfway through. I dont understand some policies of XXXX XXXX. Student Loan is for people who are young and want to build a currier for themselves, If somebody has enough income to support a medium or big size loan ( As XXXX XXXX Requests ) why he or she should go to school and create a debt??!!! 

I am very anxious to obtain a loan and create a good future for myself and of course with your assistance I will achieve that. Federal Equal Credit Opportunity Act is very clear about loan issues and I believe XXXX XXXX is in clear violation of the said act when they request cosigner for no particular reason. Please assist me to resolve this issue of loan because I am very anxious to start my classes. I am already late due to this tug of war with XXXX XXXX. 

XXXX XXXX already placed TWO credit inquiries within my credit reports and these inquiries created an impossible situation with other lenders. Other lenders do not see the inquiries very favorable and most probably will deny my demand and if they place their own inquiries in my reports there will be further damage to my credit scores and as a result I will be damaged directly. 

I look forward to a positive outcome and if you need further information please do not hesitate to contact me through this email. 



Best Regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: ENOVA INTERNATIONAL, INC.
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is trying to collect a debt that was turned over to them from 12CASHNETUSA that concerns a loan that was opened in my name by means of identity theft. I have a comprehensive report from XXXX, a consumer reporting company, that states my social security number was being used by another individual that wasn't me and that I am a victim of identity theft. The report goes on to inform me of my rights and what to do next. I have already spoken to a representative from XXXX and XXXX and both companies have issued a fraud alert for this account. I want to file a formal police report and find out and prosecute whomever is responsible for this, and for stealing my identity to the fullest extent of the law. This fraudulent account may be the first of many, but I hope not as I have diligently been working towards rebuilding my credit and had already been seeing anomalies prompting the investigation I requested by XXXX. My credit was dramatically improving, yet I was still being denied loans and turned down on credit card offers. A thief took advantage of my hard work and beat me to the chase using my identity to secure loans and who knows what else before I got to reap any kind of benefit for improving my credit and taking care of debts. It disgusts me and quite frankly makes me mad enough to physically fight whoever is responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, 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 have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2022-03-16
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: Account status incorrect

Complaint:
XXXX XXXX XXXX sold the servicing of my mortgage to XXXX Mortgage XXXX. The transfer was made on XX/XX/2022, as of XX/XX/2022 my credit score dropped XXXX points. The problem is that XXXX is showing the account as " closed '' not sold or transferred. I have tried speaking with them on the phone, and even filed a complaint with the XXXX Their stance is basically that the account is no longer with them, so it is no longer their problem.

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 2023-06-28
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: Information belongs to someone else

Complaint:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2023-03-30
Company: Experian Information Solutions Inc.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous.The Experian credit bureau must validate this items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item asunverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on mycredit report. 
XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX Open Date 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 explanation
Consumer complaint received 2021-01-18
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ORDERED LAB TESTS AT PRIMARY DOCTOR. LAB COMPANY WAS TO BILL MY PRIMARY CARE DOCTOR AT THE NEGOTIATED RATE, AROUND {$60.00}. LAB COMPANY BILLED ME DIRECT ( {$340.00}, NOT THE {$60.00} I AGREED TO PAY MY PRIMARY CARE DOCTOR ). I HAD OFFERED XXXX XXXX TO SETTLE THIS MATTER FOR HALF ( {$170.00} ). I SENT THIS OFFER TO QUEST MONTHS AGO. THEY NEVER RESPONDED TO ME. A COPY OF THE LETTER I SENT THEM IS ATTACHED. I HAVE NEVER AGREED NOR SIGNED ANYTHING TO PAY FOR THESE SERVICES TO THE LAB COMPANY. TRIED TO CALL THE LAB COMPANY 5 TIMES. SAT ON HOLD FOR OVER 30 MINUTES EACH TIME. WROTE LETTER TO XXXX COMPANY EXPLAINING I AM WILLING TO PAY THE NEGOTIATED AMOUNT AND FOR THEM TO CONTACT ME. THEY NEVER CONTACTED ME AND ONLY SENT THIS DEBT TO A COLLECTION COMPANY. I'VE ATTEMPTED TO HANDLE THIS WITH THE COLLECTION COMPANY BUT THEY TOO ARE NOT INTERESTED IN TALKING WITH ME. THEY HAVE NOW PUT THIS ON MY CREDIT REPORTS AND NEGATIVELY AFFECTED MY CREDIT SCORE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: FL
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 submitted a request of investigation on my credit report via United States Postal Service on XXXX20 to XXXX, Equifax and XXXX. I have not received a response from neither company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and to give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I made a payment to XXXX using my debit card. My bank is Regions. When I made the payment in the amount of XXXX to XXXX I received a text notification with payment completion. In my regions account it was also showing pending. 

2 days ago that transaction is not showing in my checking account. So it looks like I never made that payment. 

For XXXX  it shows the payment went thru using my card. ( I did receive a payment confirmation from the bank ). 

My complaint is that Regions is delaying the transactions so you can forget about the payment and then when you dont have enough money in your account they post the payment a couple of days later. Thats when the over draft charge comes along. 

I have sent 2 emails asking Regions why is my payment not deducted from my account and why is it no showing. No one has replied. So no I am making the complaint so you can investigate. This must be something that Regions is doing to collect the over draft fees by delaying the transactions a couple of days even if it showed pending and even if the payment went thru.

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 2019-04-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In setting up a new Wells Fargo Auto account ( not knowing the WFDS and WFHM IT platforms were different, I inadvertently locked myself out of my online account. Both Username and Password.

XXXX : I contacted Wells Fargo Home Mortgage on both XX/XX/XXXX and XXXX and spoke to several representatives as I do not get my statements by mail, all banking is done on line. I explained the problem, and received various responses. One lady told me they had to send me and XXXX to complete and send back. First and foremost, I am an Underwriting Manager and can not understand why an XXXX is required, no less by mail, when they are accepted by all agencies, with electronic signature, consequently the form never arrived. I offered MANY forms of ID, which are utilized in our industry all the time, as security measures. I offered my last username and password, my and my deceased husbands SS # 's, the amount of the Escrow Account refund check I had recently received, and would have been happy to provide any means of proving my identity, had I been asked. 

Another lady told me she would call me back in 24 hours with the problem solved. This never happened. 

XXXX I spoke to several people that were of no assistance. They then, after I asked several times, escalated me to a " supervisor ''. The supervisor did ask for my full SS number, and worked with me for approximately 1 - 1/2 hours to no avail. She ended her call with providing me a case number and stating someone would call me the next day at a time of my choice. I chose XXXX - XXXX. I am still waiting. 

At this point, I have NO access to my mortgage account, no mail statements or notices and no one willing to assist me in getting this account straightened out.

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 2023-03-04
Company: BETHPAGE FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I logged into my mobile banking app that I have with Bethpage Federal Credit Union to check my checking account before going to the ATM, upon checking my account I discover that there were 3 transactions on my account that I knew nothing about. The Transactions are as follows- XXXX XXXX for {$73.00}, XXXX for {$92.00} and XXXX  XXXX XXXX XXXX for {$15.00}. I called Bethpage Federal Credit Union immediately and filed a dispute for these charges my card was blocked and was told I can go the the Credit Union branch and get a new card or it could be mailed to me I choose to go the the branch and get a new card. I was given a provisional credit until the investigation completed.On XXXX XXXX I received a letter in the mail that upon competition of the Credit Union investigation that I am responsible for the XXXX XXXX charge for {$73.00}, this amount were deducted back from my account. 
I called Bethpage again and and were told that my card and pin with the chip was used and that the card can not be reproduce because it has a chip so its a valid transaction and that I am responsible for it. I told the representative that is not true it has to be reproduce because I have my card in my position, at this point I asked to speak to a supervisor and was transferred to one staff by the name of XXXX who took down all the information and promised to return a call to me, its past one month now still waiting on XXXX 's called, I called her number several times and left voicemails for her.

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 2021-01-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM IF IDENTITY THEFT I HAVE MADE CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation