BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: EQUIFAX, INC.
State: FL
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:
It is now my third time disputing the erroneous information that you continue to report on my credit file. This is the final letter before litigation. T For the final time I am unaware of the accounts listed on my credit file. I am a victim of identity theft and I have provided documents previously to you. I was also affected by the credit breach with XXXX and Equifax. I am disputing the accounts as an affidavit and an internal dispute. The error accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I am giving you 5 days to investigate this internal dispute and I am keeping record of all letters information and etc leading to our day in court. My next step is definitely to seek litigation. Please remove all other address, Names, and Accounts and inquiries your company reports continues to report erroneously. The correct information is listed below. I will follow up with a call within 2 days to get this issue resolved permanently. Remove XXXX XXXX XXXX XXXX FL XXXX. This isnt my address which I have stated time and time again, I am unaware of that address and the accounts affiliated with it. It seems erroneous and fraudulent. I wont mention it again. Its been well over 4 months and 3 disputes later and the erroneous information remains on my report and it isnt mine. By law it must be removed immediately today. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Square Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My identity was stolen on XX/XX/2020 by someone that I was dating for XXXX month. While I was sleeping they transferred {$1300.00} through my cashapp to someone that I dont know. This person that stole the money hacked into my phone and changed my PIN number to my account and sent the money. My chime card was attached to my cashapp and they person that stole the money did test transactions to see if the money would go then transferred the rest. I contacted my local police department, XXXX, Cashapp and filed complaint with all 3 credit bureaus. XXXX and Cashapp basically said that the transaction wasnt in error even though I sent them all the information from the case. When XXXX tried to get the money back from Cashapp thats when they closed my account and stated that I violated there policies. Chime based there decision on where my card was located and where my PIN number was located. They didnt even look at the police report nor the information from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Holiday Finance Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I continue to receive calls from this debt collector to me, all persons listed as references, my employer, colleagues, as well as my family and friends not listed as references, even after sending 2 letters to stop such calls and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not have a contract with AFNI. I am not liable for collection. This debt is from XXXX XXXX XXXX. This debt is also 7 years old and pass the PA statues of limitation. I am not responsible for this debt. It is for {$1500.00}. I filed complaints with the credit bureaus and will also be filing a complaint with the XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
i wanted to make a transfer to another bank from my checking account. I was able to process the transaction on the online banking site. but did not receive confirmation of the transaction via email or text. I called the bank and I was told by multiple people to redo the wire. I re did the wire. I call the bank back. I was told that I needed to redo the wire because the limit for external wire transfers is {$1000.00}. I redid the transaction. I called the bank again and I was told that the info provided was incorrect wire limits are $ XXXX. I was also told that it can take up to 5 business days for the transaction to be executed, I asked to speak to the escalation department or a manager, she told me that the wire can take up to 3 business days. I called my bank they told me that the transaction should be immediately. multiple called to multiple people and nobody can provide accurate information. 
I was also told that the transaction was a wire, then an ACH then a wire transfer, again no accurate feedback or consistency on information. 
furthermore, after numerous calls I was advise to block the checking account to prevent from any withdraw funds from the account as I was instructed to execute the wire/ach 4 times. 
At this time I do not have access to my checking account and fear unblocking the account since im not sure the bank has a handle on how to manage this sort of transaction

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 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX/XXXX/20 I sent in a dispute for inaccurate information reporting on my TransUnion Credit report, and a following up request about the dispute on XX/XX/20 for the following accounts showing that I owe the following amounts {$2000.00} {$5400.00} {$4600.00} {$1800.00} {$2500.00} They have failed to respond to the dispute within 30 days or mark these as disputed. It has been well over 30 days and the accounts all remain the same reporting different information on each bureau. This is a serious error in my reporting and according to the FCRA TransUnion has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

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 2020-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2020 XXXX XXXX. Collection company portfolio recovery called my job and i let them know that they should not be calling my job XX/XX/2020 XXXX XXXX   collection company Portfolio recovery called my work number and i asked them again to not call my work number XX/XX/2020 XXXX XXXX Let the collection company to stop calling my work number and i let them know that they previously called this number and not to call anymore

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Eastern Acct. Systems has sent me a letter ( unsigned and undated ) which they said " enclosed, showed their verification of my debt '', that they had in collections for XXXX XXXX XXXX. 
1 ) It shows an address for me at which I have never received mail. A good indication that their customer merely constructed a debt leveled against me and never notified me of same. 
2 ) It has multiple charges for the same item # s. 
3 ) It, in no way, shows any documentation signed by me or indicating I agreed to pay, nor that I had any knowledge of the charges. 
What I have been given as support to their claims only validates my rejection of them. Incorrect addressing, dating that shows three dates of service and only 30 days or less, prior to being turned over for collection. Where is the evidence that they ever sent a notice or invoice notifying me of the claim and opportunity to deny same? 
Nothing Eastern has sent in their XX/XX/XXXX post marked letter substantiates any part of their claims.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: SYNCHRONY FINANCIAL
State: UT
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:
On XX/XX/XXXX I received a response letter via email from XXXX XXXX Fraud Department. 
The letter states that they conducted a fraud investigation and that they were not able to approve the claim is because Customer benefited from use of card/participated in purchases. 

Synchrony did not provide any supporting documentation on their response. On XX/XX/XXXX I reached out to the fraud department via email asking who the investigator handling my claim was but I never received a name or a POC. 

Here are the facts that Synchrony is neglecting to acknowledge. 

I provided a copy of the FOIA from Customs and Border Protection showing that on the date that the Account was opened I was outside of the United States. 

On XX/XX/XXXX Synchrony provided me the IP address that was used to open the account XXXX That IP Address is from XXXX TX. 

On XX/XX/XXXX Synchrony bank obtained a sales draft receipt signed on XX/XX/XXXX for the amount of {$2100.00} On XX/XX/XXXX XXXX XXXX obtained a sales draft receipt signed on XX/XX/XXXX for the amount of {$950.00} I had no knowledge of these and both sales drafts bear my ex-husbands signature. 

-I never applied for an account from XXXX XXXX -I was outside the country when the account was opened by my ex-husband - I did not benefited from the account - I was never a patient of XXXX XXXX - I had no knowledge of the account or it existence until months after the account was opened - The account was awarded to my ex-husband on my divorce

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 2018-10-03
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My spouse at the time, had a car accident and had recieved medical services from a XXXX XXXX XXXX XXXX. In XX/XX/2013 XXXX XXXX XXXX placed a collection notice in my name on the 3 credit reporting agencies. I disputed what was in my credit report with XXXX but they said they investigated it within 10 days and said their reporting was accurate and provided no information to prove their decision even after I informed them the debt was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019 at XXXX at XXXX a company by XXXX has stolen my money in the amount XXXX from my bluebird account with out my permission i don't know who these people are or what they are they took me royally and dearly this is my social security account they took from i need help. I filed with the FBI

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I was refused a XXXX XXXX card because my credit score and or Fico has not been available for about six months. I have tried to access my score from all three credit reporting agencies and they do not have a score for me. The screen will say that my score is a XXXX and that is the score I need for this card. 

It is also an identify theft crime from XXXX men because i am not interested in XXXX women for XXXX. So they are both fighting me any and every way they both can. I am trying to file with the XXXX XXXX XXXX because it is unlawful. I am trying to get a mortgage and they are using hate tactics at 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 2020-07-04
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi, On XX/XX/2019, Suntrust bank locked my personal checking account. On that same day, I went in to a branch to inquire about why my account was locked. They would not give me a reason other than Suntrust was choosing not to do business with me anymore, and that I would receive a refund check for the account balance within 7 to 10 business days. The account balance at the time of lock/closure was {$150000.00}. 

10 business days came and went and I did not get a refund check. I called suntrust and was now being told that they intended to hold my money for an un-determined amount of time. They would not tell me why they are holding my money, or when they would release my money. I offered to give them any information they needed for the activity in my account, ( invoices for ach payments, transfers, etc ) they would not accept any of this information. I have periodically called suntrust every few months and each time I get the same info that my account refund is " on hold '' with no determined release date. To date, they have sent me no written communication explaining or acknowledging that they have held my money. The only information I have received from them is over telephone calls I have initiated. IT HAS BEEN 11 MONTHS!!!! and they still have not returned my money. At this point I feel as though they have stolen my money, and I am considering hiring a lawyer to fight them. Please help!

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 2018-05-11
Company: AmeriCollect
State: MI
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 continue to dispute and this is my second complaint regarding XXXX, XXXX and Americollect. Americollect send documents to me from my previous complaint and it was not legitimate. There were different names and signatures on these documents. Not one paperwork had my signature on it. Americollect is reporting MULTIPLE false accounts continuously to credit bureaus. If the investigations were done PROPERLY each credit reporting bureau would have seen that these are not my accounts from the FRAUDULENT paperwork from Americollect. This is my last formal complaint before I am forced to have this issue tried in court for violation of the fair credit reporting act and Fair debt collecting practices act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: KEYCORP
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the second complaint I am filing. The first investigation that I filed with you was a fail, you provided me nothing but bogus information from " XXXX XXXX ''. I tried taking matters into my own hands and called " KEY BANK '' directly. The man I spoke to had a hard time finding me, he asked for my SSN and full name to attempt to locate " my account '' he said my DOB, SSN and name or email did NOT match what he had in the system and asked me to update my information. I told him there was a mistake and that I would not update any of that information since its obvious im not the person responsible for the debt. My wife tried to talk to him and asked him if he can transfer our call to the ID Theft department or if we can fill out the proper paperwork for that. He told us he could NOT help us since the information did not match. This is unbelievable. On my credit report it shows that I was Authorized, I never agreed to be authorized nor did i even know I was until I pulled my credit. I filed a police report. I don't know what else to do since im limited with Key Bank due to the inaccurate information and they don't even want to escalate the call since my information does not match their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2019 XXXXXXXX XXXX Call received at place of employment by Portfolio Recovery services from ( XXXX ) XXXX XXXX. They were asked not to contact my place of employment. 

XX/XX/2019 XXXXXXXX XXXX. Call received from Portfolio Recovery services from ( XXXX ) XXXX XXXX. They were again notified that personal phone calls are forbidden at my place of employment and to initiate contact in writing. 

XX/XX/2019 XXXXXXXX XXXX. Call received from Portfolio Recovery Services from ( XXXX ) XXXX XXXX. Caller was again asked to refrain from calling my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: Conduent Incorporated
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received my way2 go card with XXXX deactivated. XXXX XXXX as XXXX bday XXXX card # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have continuously attempted to work on an issue with XXXX XXXX AKA XXXX over the last few years. Some time ago my identity was compromised by a family member who was living with me for a short while. A number of cards were opened in my name and I even had to go to court to fight this in XXXX XXXX County MD. The judge ultimately was able to dismiss the case because the company could not prove ownership of the account. As with this case, this is the same issue. XXXX XXXX and XXXX are unable to produce a promissory note or a signature from myself stating I opened or signed for this account, this is because it does not exist. I am very frustrated that even after filling out information of fraud and identity theft and sending it to them they have refused to remove this information from my credit report. They have explained that because the card was sent to my address that this substantiates the ownership which I am sure does not fulfill the requirements under federal laws or regulations including but not limited to FCRA or the Fair Debt Collection Practices as I have recieved multiple letters demanding payment.

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 2018-03-30
Company: Walwick, Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My husband had a XXXX in XX/XX/2014 and there were some problems with the insurance card in file was the same insurance company but not longer the current insurance. 
I had several calls to the medical billing department about my insurance did not received these medical claims for this XXXX this was going on for several months. Then went I received the bill from them it was incorrect amount cover by they insurance they went back and for and to be honest a forgot about this bill. Time past then I received a collection notice from XXXX XXXX XXXX XXXX I talked to them about the amount see to height after insurance paintments. It was other medical bill that I just payed with the same collection and I was waiting for them to clear my credit before paid this bill. Time past by and they stop to contact me until I checked my XXXX XXXX   and I found a balance of {$1500.00} plus I did not understand. XXXX  told me I owned this medical bill for my husband I want to pay it but they want me to contact the XXXX. I called them and they are charging interest on my account when they had stop their collection letter only after I call them they send me one. They are not willing to work with me and want to keep change interest.

Company response to consumer: Untimely response