BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-23
Company: Early Warning Services, LLC
State: IL
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 disputed an account from XXXX XXXX on my report. The information says transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. I received results in the mail with the same incorrect information still reporting. On XX/XX/XXXX I filed a complaint to the company. Their response still has not removed the incorrect information. This letter is in response to your recent claim that XXXX XXXX  has verified this account to be accurate. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. 
I am unaware of ever transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner with this bank. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this transacting ( or attempting to transact ) in an unauthorized or prohibited manner, bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the file you maintain under my Social Security number. 
You have 15 days to verify this information and to provide me with a document bearing my original signature. If you can not, I am demanding removal under the Fair Credit Reporting Act. 
This report is severely restricting my banking abilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
My name was attached to a business credit card account I had with Discover Bank a few years ago. Unfortunately, the business failed, and we were forced to file a Chapter XXXX bankruptcy back in 2015. This Discover account was included in that bankruptcy, however the bank continues to report this as an unresolved debt on my personal credit report. I have disputed this account several times with XXXX, XXXX, and XXXX XXXX, but Discover will not allow the account to be updated properly. I have also contacted XXXX XXXX  directly on numerous occasions to correct this matter, but Discover just keeps telling me to " call back later. There is nothing they can do about it right now. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: JPMORGAN CHASE & CO.
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased a product from online store and it was XXXX camera body and used Chase XXXX XXXX credit card. Received package from the merchant. the inside seal was broken but not from the outside and some box inside package had a white substance in it. the package came with few other stuff, but XXXX body was missing. Reached out to the merchant. No response or call, and reached out to Chase credit card service, they are just keep saying that this transaction is valid without considering going route with the customer protection against such a foul purchase. And Im getting charged for that transaction even though the XXXX body was missing from that package. Reached out to Chase multiple times, I was not able to contact right people about the dispute and was not even able to make dispute process from online either as to it is keep saying that I need to contact # to reach out to them but they never respond or provide any answers. Provided document through fax, but still no phone call from the Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XX/XX/2018 There is a hard inquiry by XXXX XXXX XXXX appearing on my credit report. 
This is incorrect. I did not apply for any new credit nor loans with XXXX XXXX. This inquiry needs to be removed. Errorinformation appears in Trans Union and 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 2018-06-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Good morning, yesterday I went to wells fargo in XXXX XXXX XXXX XXXX, XXXX XXXX ca branch, at XXXX XXXX, I met this banker XXXX, I ask him if I could get the copies of my closed account checcking account number, he said something very rude, and he was so uptight, then he stand up, where I felt that he will attack me, it is in the Camera it was XX/XX/2018 at XXXX in the afternoon, There was no supervisor at that time, so I asked XXXX, and he was very nice, he even help me, when I paid the dues, to the teller, because, XXXX is still staring at me, He needs to be seen he has an anger management, I thought that he will really attack me, Hope that this matters will taken seriously, because there employees acted aggressively Thank you so much,

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 2021-05-24
Company: Scheer, Green & Burke L.P.A.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is the second complaint I have filed. First complaint number XXXX. The company refuses to send me any additional information regarding the debt. I have called more than 40 times and left voicemails requesting contact. The company has refused to contact me back or send any additional information regarding the debt. I have also submitted a formal complaint with my health care insurance company. This company simply is refusing to verify debt and has added the debit to my credit report without the ability to resolve or verify the debt. The lack of communication and willingness to respond to various complaints via XXXX, XXXX XXXX, and now Consumer Financial Bureau is appalling. Over the course of 3 months I have tried to get more information with no luck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
i have sent in multiple complaints and have notified this company multiple times about my identity theft and somebody opening up accounts under my name. XXXX and XXXX  have already removed these accounts from my report. i received a notification from your company stating that these accounts do belong to me.? obliviously the accounts are going to have my information on them since they were opened under my name. Who ever hacked my personal information/identity used my information to obtain these accounts. please remove these as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: MoneyLion Inc.
State: NC
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 recently pulled all 3 of my credit reports on XX/XX/XXXX. I immediately recognized an account that I had no knowledge of whatsoever. On XX/XX/XXXX, MONEYLION INC, added a derogatory mark on my credit report via XXXX, XXXX and XXXX. On XX/XX/XXXX, I sent a certified debt validation letter to the companys address being reported under the debt. On XX/XX/XXXX a representative of moneylion by the name of XXXX called me. I let her know I sent the validation letter and through usps certified mail, and got confirmation of receipt on XX/XX/XXXX, XXXX however they had still not responded. She stated that MONEYLION INC does not respond to mail via mail. I asked if she could send me validation through email and she did. Attached were two documents, None of which contained A written signature for them to claim this debt to be mine. A contract or agreement without a WRITTEN signature does not validate a debt, Anyone can type a name in a box  and claim it to be mines. According to the FCRA, MONEYLION INC has  violated my rights as a consumer and I am requesting legal action to remove it from my report completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: IN
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:
in Accordance with the fair credit reporting act XXXX Account # XXXX XXXX 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 a account without my writtensinstructions.

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 2019-11-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have asked Comenity Bank several times to stop contacting family members, but they do so constantly. My entire family is contacted frequently. My girlfriend 's family has been contacted as well. I receive more than 20 calls per day from Comenity Bank. When I answer, I am asked over and over to pay the full amount which has ballooned because of a single missed payment. It is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
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:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXUnder Dispute XXXX XXXX/XXXXDispute XXXX XXXX  XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX  XXXXXXXXDispute  XXXX  XXXXUnder Dispute XXXX XXXX XXXX  XXXXDispute U.S. DEPARTMENT OF EDUCATIONUnder Dispute U.S. DEPARTMENT OF EDUCATIONUnder Dispute XXXX XXXXUnder Dispute XXXXXXXXUnder Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Netspend Corporation
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Netspend- the waiting period of receiving unemployment from Ohio was 7 weeks, at that time was around XXXX a week, well after I got the payment a few weeks later had a new account opened and money transferred to it ( Netspend allaccess ) about {$5000.00} and Ive told netspend numerous of times and made FTC complaint Netspend all access- during that time I had my son and my girlfriend friend with me, so went and stayed at hotels some on the beach and finer hotels near XXXX started to notice numerous of room charges at the same time, well when I asked the hotels, XXXX, XXXX, they said they didnt have anything in the computer for it, well it was out of bank and usually ended up with hotel and me getting heated, so I just let the bank handled it, XXXX- I have numerous of people paid on accounts that were closed down or didnt show me payments t XXXX XXXX have had cards closed down new ones sent without my permission, money gone, its I cant win for loosing XXXX XXXX- honestly have gave up if its small payments I just think in my head well there leaving me something XXXX XXXX- loose emails, payments for thjngs like XXXX XXXX other apps that I dont find out for months later that I have honestly never used So now I just follow the money and see if I cant catch someone, local cops havent helped, fbi, ice3, FTC, I know what it looks like but I loose access to my emails, regain them than loose again, I feel like I really dont talk to my phone company, my bill went from XXXX to averaging about XXXX. 
Im about at my Witts end, I just honestly see no end

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 2021-05-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 my XXXX XXXX XXXX card was closed without any notification from the company. I would have expected something in the US Mail or at the very least an email. Especially as I have multiple store cards with Synchrony Bank. 

I called the company on XX/XX/2021 to reopen the account and they said this could not be done and that I would need to open a brand new account. Doing this would negatively impact my credit as it would be considered a " hard pull '' of my credit. 

The card had a zero balance and was in excellent standing. And now this closure now negatively impacts my credit as it has affected my score due to the my balances and overall credit history.

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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The account with XXXX XXXX was disputed with Transunion twice. The company responded that the account is reporting accurately twice. There is still inaccurate and incomplete information being reported. I have attached documents showing the inaccuracies. The other credit bureaus have already deleted this account as the information was inaccurate, incomplete and unverifiable. Also, there is no comment stating that the account was in dispute although I have disputed it twice. This is a violation. The balance of {$1700.00} is wrong. The balance should be {$0.00} as you see in the comments that the company wrote off the account with the IRS as a profit and loss. The past due balance is reporting as {$420.00}. How is this accurate if the balance is reporting as {$1700.00}? This is inaccurate information. The last active date of XX/XX/XXXX is inaccurate. I have not had any contact with this company or had any activity on the account in many years. The last payment date is reporting in XXXX. There has not been activity since this. Transunion is allowing inaccurate and unverifiable information to be reported. Also, no notes regarding my previous disputes.

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 2020-07-08
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been complaining about National Credit Adjusters for nearly 4 months. They have not even attempted to resolve this issue. The collections just sits on my credit profiles. They refuse to remove it. They don't have an interest in really verifying the debt. They're only interested in making a profit from the debt that they purchased. Horrible and unethical company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Bank of America advertised a {$200.00} bonus for opening a new business checking account and making a deposit within 60 days. They have failed to post the bonus to my account. On SEVERAL occasions, their agents promised me that I qualify for the bonus and that it was forthcoming. The agent 's promises are RECORDED and on file with me. Despite the banks ' assurances and representations, they are refusing to award me the bonus, alleging that some technical requirement was not met ( they do not consider money deposited to a business account from personal accounts to be a " deposit ''. They make a fine, invisible distinction between " transfers '' and " deposits '' ). This technical requirement was NEVER mentioned to me. If it had, I would have taken a different course of action. Instead, I was repeatedly promised that the bonus is forthcoming -- after long and careful review of my account by various representatives. Now, and despite many RECORDED promises to the contrary, they refuse to award me the incentive payment. ( One such recording is attached to this 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 2018-06-28
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE XXXX EMAIL XXXX Attorney for plaintiff XXXX XXXX XXXX I have told them every time they send someone that they have the wrong person. I have emailed them screen shots of the correct person and as much info as I could find on XXXX. They keep serving me even after I sent a photo of part of my drivers license showing my date of birth is different than the person they are looking for. They continue to go forward with processes as if the correct person was served. This isn't fair the the other person, as they will not be able to go and defend themselves. My credit score is excellent and I plan to sue if their XXXX up alters my score or my finances in any way. The person I talked to on the phone was not pleasant either. I want them to find the correct person and leave me alone. 

Sincerely, The XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Franklin Collection Service, Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2019 When XXXX merged with XXXX I called to put both my cell phone and TV on the same bill. They set me up with a SECOND XXXX XXXX  account. I paid two separate bill for approximately 3 months until I realized what was happening ( I was being charged two times for the same service ) they refunded me the money. 
Fast forward to this year. When I disconnect my XXXX account I had a {$0.00} balance. Two months after disconnecting I saw on XXXX XXXX that I had been sent to collection for a past due amount with XXXX. I never received a bill. The collection company ( Franklin Collection ) never sent me a bill. I asked Franklin Collection for a breakdown of the charges. They said I had closed the account and didnt pay my bill XXXX false ). I called XXXX and they informed me that it was from the REFUND they gave me in 2019 ( that was a result of THEIR mistake of over charging me ). 
This is fraudulent and companys shouldnt be able to use collection agencys so frivolously as it damaging my credit. I do not owe any other company but them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I paid AGAIN for a current Equifax and XXXX score. 
Equifax never timely completed investigation from XX/XX/2018. 
Called for Report and Score I just paid again for an told by Equifax system would not provide it nor explanation why dispute because of Identity Theft on XX/XX/2018 has not been timely completed. 
i want Equifax to pay my actual expense incurred for failure to timely complete investigation. I was approved for a personal loan and lender waiting Equifax completed investigation! I want money returned I paid Equifax for current XXXX which i was told last week was XXXX, however Equifax has not provided this information to potential lenders since they told me this. They either intentionally gave me inaccurate information or have intentionally been providing those inquiring false information. I want my money paid today for current score and XXXX refunded. I want Equifax find for failing to comply with law and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
On XXXX or there about, I was advised by my credit monitoring service that a hard inquiry had occurred on my report from 5/3rd bank. I had not authorized any such inquiry. I am president of a corporation that is in a suit against 5/3 bank tho I am not signed personally on this loan. The bank is in negotiation to settle the claim with me. I believe there actions where intensional Im an effort to determine my personal ability to loan the company funds to pay the debt. It was a credit line with which they called due with no notice s as Nd no default. They obtained fraudulent service claiming the suit was hand delivered to an employee I havent had for years accepting the document for service now to find my financial ability they ran my personal credit without authorization, this is what they do, anything they want to!

Company response to consumer: Closed with explanation