BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX of XXXX, i found errors in my credit report, and did a FTC affidavit, submitting to the bureaus. In reviewing my report, i still found items as simple as a address Ive never lived at, still on my report after being included in my affidavit to them. Iv'e never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX how hard is that?? I've called them only to be told, that they CAN'T remove it because a dead corporation, says i did live there. A dead corporation, dictating real live gods children, positions in life, wow. Call speak to a robot, a robot verifying if i'm a robot, and a dead corporation telling me where i live, who would believe this?? I'm a single mom, trying to survive, not trying to get over on anybody, i need some help, some clarity, 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 non-monetary relief
Consumer complaint received 2017-10-31
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened up an account with simple bank on XXXX/XXXX/XXXX. I then need to update my address on XXXX/XXXX/XXXX. They asked for a selfie with my address behind me, which I gave them, then a photo with me holding my id and my address behind me, which I gave them, and this was exactly what there " options '' stated to give them to verify my residence. They then send me an email stating sorry bu we need more like a utility bill and a photo of my actual house. I told them I do not get bills in the mail everything is electronic and why would you need a photo of my house that is an invasion of privacy. They then stated that they could not confirm my new address even though my selfie with my address behind me matches my id photo I sent them, but that was n't good enough for them. So I then told them I want to close my account and they confirmed that on XXXX/XXXX/XXXX that my account would be closed. I then waited 3 weeks to find my account was still active and not closed at all. So once again I contacted customer service and they then returned to me that oh we ca n't close your account until we confirm your address. So for a week a went back and forth with them on how I followed all their regulations on how to confirm the address and even quoted there document on how to confirm an address where it stated on option 1, to take a selfie  with just your address behind you. The representative then replied saying oh I guess we need to update our regulations on our address confirmation and we still wo n't confirm your address. They literally decided to make up and change their own rules and regulations on me whenever they felt like it. So now I know they are pulling my string to take my identity because they have all my information and even selfie of me. It is wrong what they are doing and what bank needs a confirmation of a new address to close an account. They did n't even need to confirm my original address but they wanted to confirm my new address. My last conversation with them was on XXXX/XXXX/XXXX with them still refusing and I have kept all messages with customer service as proof even stating how they basically changed the regulations on me on their own accord. That is discrimination. I have reported them to the federal reserve and the federal reserve has stated they have now forward the report to the CFPB. Please help as I do not trust these liars as they are potentially taking many consumers identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: FORD MOTOR CREDIT CO.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was shocked when I reviewed my credit report and found a late payments on the following dates : XXXX XXXX, XXXX XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: JPMORGAN CHASE & CO.
State: FL
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:
This is a complaint against XXXX card, XXXX. Inquiries date : XXXX XXXX and also XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom it may Concern : This is request for documentation of original contracts. I take issue with the methods used by XXXX XXXX, XXXX XXXX AND A FEW OTHER ACCOUNTS LISTED BELOW! XXXX v. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XXXX ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX v. XXXX XXXX   XXXX XXXX : XXXX v. XXXX, XXXX XXXX  XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 
Also I have received a credit report claiming that I owe a debt to these companies yet I never seen a single letter prior to the listing of the negative items. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 
XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX XXXX**** XXXX XXXXY # XXXX**** XXXX  XXXX # XXXX**** XXXX  XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX  XXXX # XXXX**** XXXX XXXX  # XXXX**** XXXX/XXXX XXXX # XXXX**** Please send notice of a cease and desist to all creditors until documentations are properly provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had paid a settlement with Portfolio recovery. They agreed to take everything off my credit report if it was paid. So I paid them on XXXX XXXX and now they are refusing to remove their info from my credit report. It was a recoreded conversation. I want this removed due it its been paid and it has a XXXX balance now. I have talked to them several times about deleting this and they refuse even though that was the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Experian Information Solutions Inc.
State: FL
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:
This is a complaint against XXXX XXXX, TWO INQUIRIES. DATE : XX/XX/XXXX and also XX/XX/XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

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 2022-03-12
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, I received an email from the Pentagon Federal Credit Union stating that on XX/XX/XXXX, an overdraft had posted to my account. I thought this was odd because I am very diligent concerning having enough funds in my checking account to pay any checks that I write. However, I was not home at the time, and withdrew {$140.00} from my share account to pay the overdraft. 

When I returned home, I logged into my accounts at the PenFed Credit Union. I discovered that there were four withdrawals from my checking account. Two for {$100.00} dollars and two for {$99.00} dollars. These transactions were fraudulent withdrawals using my debit card information. I contacted the XXXXenFed security department about these transactions that PenFed Credit Union had allowed to happen. The individual I spoke with recognized right away that the withdrawals appeared to be fraudulent and informed me that my debit card would have to be cancelled and another issued. 

Because of this fraudulent transaction, the XXXX XXXX XXXX, an overdraft system was activated due to the fraudulent activity on my debit card. I called the credit union and inquired about the overdraft fee, and I wanted to know when these funds would be returned to my savings/share account. The {$390.00} was provisionally returned to me pending an investigation. However, a decision on the {$140.00} withdrawal would have to be made later pending the outcome of the investigation. 

I received a notice dated XX/XX/XXXX, stating that the investigation had been completed and the disputed transactions dated XX/XX/XXXX, from XXXX for {$390.00}, and it was determined that I was not responsible. Also, the provisional credit applied during the investigation, if applicable or, the reversal of the disputed transaction amount is now permanent. However, I was still charged for the overdraft fee of {$140.00} which I do not feel I owe. The overdraft was caused by PenFed Credit Union 's negligence when they failed to ensure all transactions to my account were legitimate. The balance in my checking account for {$390.00} was there to cover my account from any overdrafts. 

I am requesting that the {$140.00} which I withdrew from my share/savings account be credited back to my account. I submit that this overdraft fee was not due to any negligence caused by any action on my part, but, was due to the negligence by the PenFed Credit Union.

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 2019-05-12
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have called several foreclosure specialist in the past 6 months and sent messages to Wells Fargo and they come back to me telling me to contact the foreclosure specialist. 
This should have ended a long time ago. I talked to various people there and they said they would get back to me but nothing happened. 
Someone last week told me to contact XXXX XXXX?????? as my house was made or formed by their company????? 
I stopped calling them 3-4 days a week because nobody called me back, I did get a call from an XXXX but did not catch his last name. 
He said a large envelope was sent to me in the mail, i said i did not get anything like that. Every week or every other week i get a 2-3 page letter telling me they are still working on my situation. My only income is social security. If i had a few XXXX dollars to move everything and some extra maybe it could happen!!!!

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 2022-03-12
Company: CCS Financial Services, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, XXXX XXXX XXXX XXXX XXXX is still taking out money for this debt they have on their end. As such the most recent payment came out of my account on XX/XX/XXXX for the amount of {$31.00}, but I had been paying on this debt since XX/XX/XXXX, as such I am still paying on this, so I am unsure as to why they sent this to debt collection. As such XXXX XXXX XXXX XXXX XXXX has now sent this to debt collection at " Credit Collection Services '' all the while why they know they are still taking payments out of my bank checking account on this, so this is an unfair practice. In addition they sent me a bill for the double the original amount owed and now say, I owe double the original amount for the same account # .They ( XXXX  XXXX XXXX XXXX XXXX XXXX are re-billing me and double charging me for the same services I already paid for on the same account and not giving me credit for the {$150.00}, I already paid. As such, ( XXXX XXXX XXXX XXXX XXXX XXXX has now sent this account that I am still paying for to a collection agency called Credit Collection Services XXXX And then they have me established on a second payment plan to begin taking out money for the same account, without closing the first payment plan, with different payment methods. Therefore I filed a grievance with XXXX XXXX and XXXX, and I am waiting to hear back from both of these agencies. I do not owe them double. This must be a software billing scam and or an unfair billing practice. 

Reference : MyDocBill Billing Support Team! My request has been assigned to a specialist with case tracking ID. '' Reference my XXXX complaint case number ( case number is XXXX ) Thanks

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: FIRST ADVANTAGE CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This Information On My Background Report Is Wrong. I Do not want this Sent To The Job Site, XXXX XXXX XXXX XXXX 

The Repost States That I Have A Case Still Pending For Two Misdemeanor Charges Pending A Court Date. That is Incorrect. 

The case referred to on XX/XX/2022, were Citations and the case was settled on XX/XX/2022. 

I do not want this information sent to the employer until it is corrected. 

I have documents proving my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: MD
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been paying this loan since 2008. My original balance was XXXX and 8 years later i owe XXXX with an 8.5 % interest. I can only afford XXXX a month, of that XXXX, XXXX goes to interest. American Education Services is the worst lender in the world. Refuse to talk to me and told me to get another job. How is this legal? They are getting away with ripping people off!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Penn Credit Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened my credit report and noticed that Penn Credit Corporation is attempting to collect a debt that I do now owe. My balance with XXXX XXXX XXXX has been situated since 2018. I have not lived in Connecticut since and the information they are reporting on my credit report is completely in accurate. I have attached a screenshot of my XXXX account as of today and it is reporting a zero balance, I also attached a copy of the letter that I sent Penn Credit Corporation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX I received a text from synchrony/old navy about fraud on my account. The problem that I have with synchrony / old navy is they are reporting the fraud as a debt and this will bring down my credit score if not corrected

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 2022-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card had 2 unauthorized charges and they are huge. 
It happens when I am waiting a new credit card. 
I suspect that someone paid post officer to steal credit card mail, use it to purchase luxury goods and sell it for cash. 
The reference number ( bank of America ) for the charges are XXXX and XXXX. 
I already called the bank to solve it, want to make sure here again.

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 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I mailed a dispute letter with Transunion regarding accounts reporting on my credit report. I mailed the letter on XX/XX/2020 and my letter was received by them on XX/XX/2020. On XX/XX/2020, I mailed a 30 day no response letter and I have not received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company convergent is trying to collect debt from me when I all ready paid the account off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
This is a complaint against AMERICAN EXPRESS, TWO INQUIRIES. DATE : XX/XX/XXXX and also XX/XX/XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31
Company: Bread Financial Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX has called me several times and misrepresented themselves as an attorney or attorney 's office. They left misleading messages on my cell phone and called at inappropriate times on 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 2022-03-12
Company: Experian Information Solutions 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 am becoming extremely frustrated with the companies in question in this complaint. I have sent them a multitude of complaints on the alleged accounts and have failed to receive the proper responses on any of them. I am attaching all documents necessary to have these accounts listed on my credit report removed and I would like that to be done so immediately. These accounts are causing harm to my ability to sustain proper employment and housing. Please remove 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 non-monetary relief
Consumer complaint received 2017-10-31
Company: Experian Information Solutions Inc.
State: FL
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:
This is a complaint against XXXX, inquiry date : XXXX XXXX/2017. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

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 2022-08-12
Company: EQUIFAX, INC.
State: GA
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:
Hello Ive been having someone trying to open accounts under XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX documents below includes the following. Thanks

Company response to consumer: Closed with explanation